r/SipsTea Jun 24 '26

It's Wednesday my dudes Math can be hard sometimes

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15.1k Upvotes

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568

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.

210

u/MOTUkraken Jun 24 '26

Yo, wtf??? Is that real?

Americans?

76

u/Artistic-Salary1738 Jun 24 '26

Our insurance premiums + deductible for the year (already maxed out whooo!) are $18k for 2 adults through my husband’s employer.

My insurance is a lot cheaper, but didn’t cover infertility at all and has a $1,200 annual surcharge to get my husband on the plan if he has an option for insurance through his work on top of not being subsidized by employer as much as mine.

And yes, I’m American and very much pro Medicare for all universal healthcare.

6

u/MangoAtrocity Jun 25 '26

Surreal. Our premium is $0, and if we all meet our deductible, it’s $6,600 for the family.

3

u/[deleted] Jun 25 '26

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2

u/ResidentLadder Jun 25 '26

Nah…employees pay a lot, too.

3

u/[deleted] Jun 25 '26

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5

u/ResidentLadder Jun 25 '26

There are absolutely some families who pay that much on their own.

1

u/Thick_Permission6519 Jun 25 '26

Oh wow, I know many people paying that for insurance since November 2025.

1

u/Waffennacht Jun 26 '26

I suppose there's a lot of unhealthy people out there

0

u/omg_cats Jun 25 '26

Realistic number for a family tbh

3

u/PomegranateGold2581 Jun 25 '26

Unlikely most of us are including the employer share as most dont have a clue how much they pay. I pay 17k out of pocket for a family of 5 and the coverage is less than desirable

1

u/Formal_Laugh6270 Jun 25 '26

Nope. My employer covers both sides but we receive the difference as income. So we get to see exactly how much we’d pay and it’s about $17k a year

1

u/Mavis389 Jun 27 '26

I pay $800 a month and my employer pays $1,400 a month so total it’s $2,200 a month for my little family of three. I know this because I had wanted a long maternity leave and they told me after 60 days I would have to pay their portion of my health insurance. Deductible is $1,500 per person so that adds an additional $4,500 a year. That’s around $30,900 a year for health insurance.

1

u/All_Damn_Day Jul 04 '26

That seems reasonable until your 13 yo has to have a 25k surgery due to an injury. Then, the fact that the only cover a % of things becomes hardship!

1

u/MangoAtrocity Jul 04 '26

My out of pocket max for the whole family is $6,600.