And for 2 people - $10k/year. That 'maximum health costs' also doesn't really factor in the time having to deal with insurance companies chasing up decisions t

And for 2 people - $10k/year. That 'maximum health costs' also doesn't really factor in the time having to deal with insurance companies chasing up decisions they make (or don't), and for money/income lost due to no work. Insurance for that - short term disability insurance - may add another $100/month on the the equation.