Comment by pavlov
Your boss is presumably a high-value employee at a prosperous company. They will have good health insurance, but that’s not the norm for most people.
When I worked for Facebook in the US, it was conspicuous how doctors would run extra tests on me because the health insurance was paying for everything and anything. That’s not balanced either because less fortunate people pay for that in their insurance premiums.
Companies negotiate for all employees without tiers for „high value” employees.
What do you consider the norm? 90%+ of Americans have some form of health insurance. I don’t have a bad one, but it’s not as great as some public sector employees do. Am I in the norm? If so, that’s ok