Most people don't actually pay their entire insurance premiums. This is true for people on group plans (the employer pays part of the cost) and on ACA marketpla

Most people don't actually pay their entire insurance premiums. This is true for people on group plans (the employer pays part of the cost) and on ACA marketplace plans (subsidies pay part of the cost). Your numbers are hinky. You start with 300 million people and then state costs for nearly 400 million people. You are also making your estimates based on everyone having family coverage. That isn't the case.