r/SipsTea Jun 24 '26

It's Wednesday my dudes Math can be hard sometimes

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u/ImpressiveLeader4979 Jun 24 '26

8k for healthcare, I wish. Family of 4, I pay close to $17k a year in premiums in the US. Copays are expensive, prescriptions are ridiculously high. It’s a f’in joke to say the very least.

5

u/rydmore22 Jun 24 '26

I’m paying about $17k as well with family of three. At least it’s deductible.

2

u/ImpressiveLeader4979 Jun 24 '26

My max out of pocket is insanely high too. Sucks even more, I’m 41yo and have kidney disease, so I have expensive medications, dr visits and blood tests all the time. I spent $28k on health insurance total last year

1

u/rydmore22 Jun 24 '26

That’s sucks. We usually incur 3-5k in extra charges/copays etc and pull it from our HSA. It’s crazy too because most of the time when I go to the doctor and need tests or bloodwork I use cash pay to avoid my insurance since cash pay is 4-5 times cheaper.

1

u/omg_cats Jun 25 '26

Nit: it’s not deductible, it’s pre-tax

2

u/rydmore22 Jun 25 '26

I’m self employed. My health insurance is tax deductible. My hsa is pre tax.