$9k is not realistic. As a relatively young couple with 2 kids, our out of pocket medical expenses (on an HSA plan with $5k deductible) have been running about

$9k is not realistic. As a relatively young couple with 2 kids, our out of pocket medical expenses (on an HSA plan with $5k deductible) have been running about $1500 per year for the last several years - that's medical, dental, ortho, and vision.