I assume by $700 you mean $7000? Also wondering if your $209 / month figure was accurate. What your comment currently describes is 1/4 the premium and 1/10th th

I assume by $700 you mean $7000? Also wondering if your $209 / month figure was accurate. What your comment currently describes is 1/4 the premium and 1/10th the deductible that my family has. I agree that healthcare in the US is completely broken. It is in fact one of my favorite things to gripe about to anyone who will listen or who happens to be in my vicinity at the wrong moment. I think our current "out of pocket max" is somewhere around $6k/year. The bill for having twins blew through that pretty well. When we had our first child, our deductible was roughly twice as much and I think we maybe just scratched the out of pocket max. Those insurance premiums were only a third of what we pay now though, which was a better trade off in my opinion. Would we be financially ruined by running into something like that again? No. Would we be majorly inconvenienced? Yes.