The key part of your statement is that you're paying for a family. Individuals do not cost $10k per year under any normal circumstances, and if you're paying a

The key part of your statement is that you're paying for a family. Individuals do not cost $10k per year under any normal circumstances, and if you're paying almost $2k a month for a family bronze plan, you either have a lot of kids, you have some unusual needs, or you are getting ripped off. Even more so if you're waiting for a PCP appointment, because that is unusual as well.