I don’t know if its just me but i think health insurance here is a rip off.
I was quoted about 40 k a couple of years ago it didn’t make sense When I have a annual 2k policy for travel insurance that covers medical however it is limited to 90 days per trip.
So every 3 months I go home then come back. If work were a constraint even a long week end back in sanity is worth the trip to stock up on essentials.
4 return trips to Australia 25k plus the insurance 2k and your covered for all the extras over medical like baggage cancellation etc