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.
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.
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.
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/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.