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While I'm pleased that my premiums haven't gone up this year, the costs of my health care are staggering. I can't get my hands on the 2015 numbers, but in 2014, I'm paying $4,560 per year for my family plan premiums. And since it's an HSA type of plan, I need to put funds aside for that to pay for the actual health care we use before the $6k in-network family deductible is met. I set aside $2,640 per year for that. So I'm spending $7,200 for family health care per year for simple wellness visits and basic stuff like contact lenses. This doesn't include dental. Doesn't seem like that much until you factor in what my company is paying. They pay $15,946.32 per year in premiums for my family plan. So that's a total of $23,146.32 per year for health care for a healthy family of 4. We also get the promise that if we get really sick, we will be taken care of (after that $6k deductible is met.) And I guess that's what insurance is all about.
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