Depending on the size of the engineer's family and the quality of the insurance, I'm sure you'll go over $1000 pretty easily. People don't realize that their e

Depending on the size of the engineer's family and the quality of the insurance, I'm sure you'll go over $1000 pretty easily. People don't realize that their employer pays most of their insurance. The 20-something probably costs $100/month for a high deductible HSA. Edit: I've only seen what it costs for me personally, a single engineer in my 30's and a non-smoker. It's around $200/month for the catastrophic coverage. I vaugely recall paying around $65/month in my 20's pre-ACA. I know there's a hockey stick, though, so I expect 2 adults in their 50's with 4 children would add up. Again, this is for an HSA high-deductible plan.