9 of 10 · Before anyone is sick
An average family of four put $26,993 into the plan. The median privately insured adult had about $1,369 of care paid.
Kaiser Family Foundation 2025 family premium vs MEPS 2021 median private payments.
Premiums are the subscription. The deductible is extra. Most people never come close to using what the family sticker implies.
The extra is insurance for the five percent. That would be fine if the five percent were billed at a public price. They are billed at 2–3× Medicare.