I have probably some of the best employer provided insurance you can get, and it is about $320 per month for me and my family. For just me it would be about $90. Vision and dental are also separate. This particular plan doesn’t have an annual deductible (what you have to pay out of pocket before the insurance will cover anything), but that is fairly uncommon in my experience. On top of that there is a 20, 30, or 45 dollar copay for each prescription depending on if it is generic, name brand (which most modern insulins fall under), or specialty. I know in some countries insulin doesn’t require a prescription, or you can otherwise get as much as you need without much hassle, but here pretty much everything, including pump supplies, requires a prescription for a specific amount. There are also copays for the doctor, so on my plan those are 20 for your regular doctor, and 35 for specialist (like an endocrinologist). My particular plan doesn’t have coinsurance (you pay a percentage, and they pay a percentage) on insulin pump supplies and CGM. BUT, because of that, I have an extremely limited number of places I can order from, that being only 2. They are both absolutely horrible and I have to fight to get my supplies every order I make. For any other medical costs I have to pay 10%. So say I have to have surgery, one night in the hospital, not counting the surgeon cost and anesthesiologist cost, will probably be between 15,000 to 40,000, so that’s 1,500 - 4,000 right there.
My plan doesn’t cover anything “out of network”, which means the doctors, pharmacies, suppliers, etc, all have to have special deals with the insurance company for my insurance to accept a claim. So I can’t go anywhere I want (hence why I have such limited options to order supplies). Also, some specific treatments aren’t covered at all, such as the new Minimed 670G. I could get what is called the PPO or “preferred provider organization” plan, which allows me to go out of network, but I lose the 100% coverage for the pump and CGM supplies, and if I go out of network they will only cover 70% of the cost. So if I buy a month worth of CGM and pump supplies from the cheapest, while also reputable, place I can, I would be paying about 300-350 a month on top of the other costs. Also, then I will have a $300 annual deductible for individual, and 600 for family. There are also many complexities between plans, and insurance companies, and it also varies by state. In general, the insurance companies have a lot of power to decide if they will cover something or not, for whatever reason they may choose, even if it should technically be covered.
Those costs are fairly uncommon even for employer provided insurance, and if you need to buy private insurance, the cost will go WAY up. And if they repeal the pre-existing condition protections from the ACA, you can forget private insurance coverage. Or if they did cover you, it would have so high of premiums and so high deductibles that it won’t help that much at all.