Here in the US I pay $700 a month for health insurance for my family, with my employer contributing another $1,200. I have a $3,000 deductible, so the first $3,

Here in the US I pay $700 a month for health insurance for my family, with my employer contributing another $1,200. I have a $3,000 deductible, so the first $3,000 of expenses every year are not covered. Above that I pay 20% of costs. I also pay 1.45% of all income for Medicare, which I will not be eligible for until I'm 65, a few decades away. My employer pays an additional 1.45% on my behalf and I pay an additional 0.9% surcharge on all household income over $250k. I'd love to start my own company but health insurance costs are a big impediment. I have young kids, I can't leave my family underinsured. We're healthy now thankfully, but what if one of us gets cancer or is in a car accident and we're hit with $500k+ bills (or worse - if we can't get the right treatment)? I don't know how other people do it.