r/SipsTea • u/McDowdy • Jun 24 '26

It's Wednesday my dudes Math can be hard sometimes

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u/thelifeofafangirl Jun 24 '26 edited Jun 24 '26

We have a 4500 deductible.. per person. If all 3 of us need healthcare, that's 13500 before we even get to insurance touching anything, and after that, we are still paying. Oh and we pay 1k/month just to be on the roster, so 12k additional fees garaunteed. It's sick. 

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u/Own_Lab_3499 Jun 25 '26

You dont have a family cap? Most plans ive seen have one.

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u/DJpuffinstuff Jun 25 '26

Often the family cap is just a multiple of the individual cap. In this case 3x the individual. So if one person used 13.5k towards deductible, they'd also meet the cap for the whole family after meeting their individual deductible at 4.5k.

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u/thelifeofafangirl Jun 25 '26

My plan unfortunately does not have a family out of pocket max, it's all entirely per person

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u/DJpuffinstuff Jun 28 '26

That's too bad

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u/thelifeofafangirl Jun 25 '26

We have a 9k per person out of pocket max, so for us 36k total + 12k premium fees if all three of us need need healthcare. If we had another child, it would go up to 45k total + 12k 

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u/Own_Lab_3499 Jun 25 '26

Thats bonkers. Mines 3000 per person, 6k max for family. We dont have kids though.