I believe the point is that if you have to pay for US medical coverage it will be a lot harder to cruise on $3000/mo.
Maybe we can move on now unless someone has cruised for $3000/mo while at the same time maintaining US coverage (paid coverage)
My planned $3000/mo budget for 2 people breaks down to:
food - $1200
boat (mooring, maintenance, insurance) - $1000
eating out & entertainment - $500
phone - $100
misc - $200
The above was based on my current spending budget by taking out my land house expenses. I would expect that people want to live same basic quality of life when cruising that they were on land. But a better breakdown of the gross areas could be done if I really kept such detailed info, but for explanation:
Food - includes everything your normally buy at a grocery type of store. That is actual food, soda, beer, toilet paper, paper towels, cleaners, health products like soap
Boat - includes all things related to the boat. Insurance, permits, moorings, slips, maintenance, repairs, upgrades, haul outs. And it has to include an averaging of the big ticket items that come up every few years. The $1000/mo is really what the past 5 years of boat ownership have worked out to be and don't really have some of the bigger things like replacement sails in the number as I haven't done that yet.
eating out and entertainment - Includes dining out, movies, sight seeing costs including related travel. So basically dining and any money you spend on non free things done for just fun.
Phone - I don't really know what this might also include but my wife is typical in that she doesn't like the idea of being out of communication with the family.
Misc- includes everything that doesn't fit into the other areas, like cloths hair cuts, health reated costs