eating out is insanely expensive, dont know how people are so addicted to it. easily 50-100/day, if one were to actually eat out often, and i dont know someone who does this. i dont know which insurance, but different insurance have convoluted costs. i just hope i dont need to go the ER/ urgent, or get any kind of surgery. dental costs is something else though, although if you are willing to travel internationally for it, it doest reduce the cost significantly.