We spend over $30k annually just on premiums. On top of that, we pay for most doctor visits, tests, prescriptions and procedures out of pocket. Edit: everythin

We spend over $30k annually just on premiums. On top of that, we pay for most doctor visits, tests, prescriptions and procedures out of pocket. Edit: everything we pay out of pocket we can deduct from our taxable income (it's an HSA plan), but still.