idk man I just need to vent i guess
my employer “provides” health insurance in exchange for my time and labor, and for that great privilege they take $600 out of my paycheck every month (covers me, my wife, and our 1yo son)
that’s half our monthly mortgage payment; it’s 2/3 our monthly grocery bill
why?
When I do my annual determination of the best plan, I always look at my total cost if I maxed out copays and deductible. Even as an old fart, HSA looks incredibly cheap because the premiums are so low. How ever, in many circumstances I don’t reach my out of pocket limits.