- Starting age 25 (Current median cost of $478 per month)
- Ending age 65
- "Silver plan"
- 10% premium growth
- Deductible growth varied from zero-to-10% (max deductible of $6900 per year for 2018)
Assuming 10% deductible growth and a starting deductible (actual) of $3000 the Net Present Value of the resulting cash-flow is $1.7 million, US.
It gives one pause to think that a three year military hitch might be offering $600,000 a year in benefits IF the military person qualifies for VA benefits afterward and can avoid entanglement in Obamacare.
Of course, healthcare costs cannot grow at 10% per year, three times faster than the general economy, for forty years.
And I did not factor in any costs associated with VA services (like travel) because I am not smart enough to come up with reasonable estimates.