What’s the average price for an insurance for a middle class person living in a big city?

In the USA, shit’s so convoluted that it’s highly debatable whether average price is relevant. But, also, good luck finding someone willing to track that info down, assuming it even exists.

The costs depend on what state you live in, whether you’re getting insurance through your employer or the open market, whether you’re getting family or individual coverage, and a myriad other factors.

For insurance through your employer – The employer usually gets a group discount on a set of plans that range from shitty coverage to slightly less shitty, a range of costs based on how much the employer is willing to pay for each plan as a “benefit” to employees, and whatever other add-ons the employee selects (ex: dental, vision).

I don’t have average data, but I’ve paid as little as $50 a month for employer sponsored insurance, but it was the shittiest shit tier of insurance that was basically worthless (and that was over a decade ago). For my last few employers, the employee paid part of the plans seemed to be in the $200 to $400 range, again depending on the plan and the options selected.

For open market – This is even more complicated and complex. But basically everybody can get it through some version of what’s known as Obamacare or ACA. Costs and plans available vary from state to state. Technically, individuals are on the hook for the entire cost of the plans. In my area, when I last checked, there were a few options as low as $350 USD (but they were utterly terrible) to $2,500+ USD for ultra-premium plans. The caveat here is that the cost of these plans is partly based on income. So, in my state, basically everybody making below $60,000 USD (or so) gets a discounted rate (or rebate on taxes at the end of the year), such that people in the lowest income bracket can get health insurance for free or close to it.

Does families get an all-in-one or it’s different for any single person?

Cost-wise, there’s a different price for individual insurance versus family coverage. Usually the family coverage is priced so that it’s a bit cheaper per person than getting separate individual plans, but even then there are exceptions. Family plans tend to have a shared max out of pocket and deductible (which are basically the annual limits on what you pay) that’s higher than the individual plan.