If you are living there 31.5k/yr is not over the top from normal private insurance
My 20yr old stepson has Aetna Gold(possibly platinum) I forget and it was close to 25k, or maybe 20k I forget
Now I don't what is in that cheapest plan you talk about though....
The project to build the world’s largest PV array (ironically in Australia) looks like it might have legs.
if it does get up (est. on stream in 2027) most of the energy is destined for Singapore.