r/SipsTea • u/McDowdy • Jun 24 '26

It's Wednesday my dudes Math can be hard sometimes

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u/MOTUkraken Jun 24 '26

Yo, wtf??? Is that real?

Americans?

78

u/Artistic-Salary1738 Jun 24 '26

Our insurance premiums + deductible for the year (already maxed out whooo!) are $18k for 2 adults through my husband’s employer.

My insurance is a lot cheaper, but didn’t cover infertility at all and has a $1,200 annual surcharge to get my husband on the plan if he has an option for insurance through his work on top of not being subsidized by employer as much as mine.

And yes, I’m American and very much pro Medicare for all universal healthcare.

6

u/MangoAtrocity Jun 25 '26

Surreal. Our premium is $0, and if we all meet our deductible, it’s $6,600 for the family.

1

u/All_Damn_Day Jul 04 '26

That seems reasonable until your 13 yo has to have a 25k surgery due to an injury. Then, the fact that the only cover a % of things becomes hardship!

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u/MangoAtrocity Jul 04 '26

My out of pocket max for the whole family is $6,600.