Ambulance rides cost a minimum of 1k USD. If you are not admitted to the hospital then it is not covered. If you are admitted then all costs ambulance and care normally has a 500$ copay and then you pay 20% or less depending on the insurance.

A broken leg that requires immediate surgery is something to admit. Just a cast is urgent care only, so you probably are S.O.L.

This is based on my experience with multiple insurances, there are tonnes of options, so I’m sure someone else would say it is different for them.

For a family of 4 insurance is about 3k/month split between employer and employee. The amount that would cost is largely unknowable. My insurance has a $500 deductible, so I would definitely pay at least that much, probably more. After that insurance would cover 80-90% of the cost until an out of pocket maximum, which is 3k/person or 6k/family for me. A final cost around 1k would probably be a good deal, and up to 4-5k could happen depending on out of network fuckery.

For my family of four I was paying half of $2400 per month (my employer paid the other half) for a very good PPO plan (meaning I could choose my own doctors) that had a $25 copay for doctor visits and no copay for medications after I met the $500 per person pharmacy deductible. That was up until I was laid off, then I had to pay for all of it until my COBRA coverage ended.