Premiums are a simple math equation. The inputs are drugs costs and hospital/ed costs. The outputs are determined by risk share and benefit design. Witches (actuaries) run the numbers.
The rise of biologics and the related costs kill rx coverage. We're talking 10-20k per year drugs, expanding indications. Throw in the GLP1s at 5k per year, and basically every American under the indication, that is how with end up with 25k+ per year premiums.
Premium comparisons without type, design, and employee/employer contributions are of limited value. For my fam: Commercial, high deductible (max OOP: 6k individual/12k fam), large group. My share is ~$35 biweekly, employer share is ~$900. HSA contribution is maxed.
How hard is it to file a form 1 directly? I have a Silencer Shop trust and have used them for all my form 4. They charge $50 to file the form 1 through their system, which includes submitting the fingerprints and doing a QC check on the submission.