In many cases the premium is paid for by your employer entirely, and the max out of pocket is lower, like $4k a year. But it depends on the employer and what pl

In many cases the premium is paid for by your employer entirely, and the max out of pocket is lower, like $4k a year. But it depends on the employer and what plans afte offered. Also about 20% of Americans are on medicaid, and generally do not pay any premiums, deductibles, or copays