Our high deductible insurance with Kaiser is about 12k/yr for a family of 3: two parents in their 50s and a teen. Then I max out an HSA (untaxed health savings

Our high deductible insurance with Kaiser is about 12k/yr for a family of 3: two parents in their 50s and a teen. Then I max out an HSA (untaxed health savings account to actually pay for things) with about 7k, which generally gets drawn down to zero at some point over any 3 yr period. So I call it about 20k/yr all up.