Yes, although I have colleagues at other companies who pay much less (~$6k-8k year employee cost). Hard to make apples to apples comparison because employer health plans aren't public, but I have seen amazing plans and I've seen absolute garbage plans where you need to go to the open marketplace instead (and in doing so, your premiums are now non-tax deductible and you're paying the entire cost with no employer subsidy). I conservatively round up, because medical costs usually end up higher than expected.
I have 11 kids and I'm not paying $15k/year. It would be sort of negative if nothing happened, since money would accumulate in one of those FSA/HSA things. There is no paycheck deduction.
Even the maximum possible out-of-pocket expense is well below $15K/year. Getting to that point would require major surgery.
Only if your family income is so low that you qualify for Medicaid.
> Almost every state has multiple Medicaid programs. But, as a good rule of thumb, if you make less than 100% to 200% of the federal poverty level (FPL) and are pregnant, elderly, disabled, a parent/caretaker or a child, there’s likely a program for you. And if you make less than 133% of the FPL, there’s possibly a program for you, depending on whether your state expanded under Obamacare.
