Ok folks. Your premium through your employer is not the cost of medical insurance. The cost all in is about 25,000 for a family plan. What else is higher in your family budget?

Health insurance for nonMedicare and nonMedicaid payers are charged at a higher rate than these two. In turn, they also pay more or less to providers, not just for the premiums. In order of lowest payouts to highest:

1. masshealth (25% of state population) aka medicaid
2. Medicare - senior citizen near universal coverage
3. private insurance mostly via employer
4. uninsured This is for payments to providers.#3 is heavily subsidizing #1 and #2 while also paying for #1 and #2 via taxes at federal and state level. We are all just bodies for medical industry and insurers to make money off of.