For a real example, my 10 year old swallowed a button battery (yes she should know better). Of course we went to the pediatric ER immediately. She was seen by a doctor, got some X-rays, then puked the battery out. She’s totally fine. In the end I’m paying about $2000 out of pocket for that. That’s on top of the monthly premiums I and my employer pay.
My premiums are about $280 per month for health, dental and vision for me and my kids. Premiums are pre-tax so there’s a bit of savings there. My employer pays about $1100 per month on top of what I pay. My wife is on her employers plan because they would charge about triple that for all of us to be in the same plan. that’s about $100 per month for her.
On top of that I have a special pre-tax savings account for health expenses only called a Flexible Spending Account, which helps a bit but it’s kinda silly and not very flexible. I have to determine at the beginning of each year how much I might spend that year, then that amount will be taken automatically out of my checks. If I don’t spend it all, it’s gone.
I really recommend this video to understand (or not) the complexity of the US health care system https://youtu.be/-wpHszfnJns?si=Wi48w7TCkETdIUQQ
Yea, I didn’t even go into how much my wife’s nephrectomy cost.