[Dueller]

Not to hijack your thread, LenDiddy, but on a related note, What do you guys think is a reasonable amount to pay for health care coverage as a percentage of your income or as a flat amount? Either in premiums+ deductibles or tax rates or whatever system you can think of.

For example, my wife and I have a high deductible, high copay and an HSA. Our plan has a $5000
deductible, pays 70% of approved charges after the deductible. We are allowed to place $3750 per year into the HSA which we can use for medical expenses not covered. $1million lifetime benefits cap. So with our premium of c. 850/month and roughly $325/month going into our HSA we're spending $1125/month for our coverage.

Let's assume I have an accident and run up a $10K bill. We would pay $5K from the HSA, insurance would pay $3750 and we would be responsible for another 1250 the insurance didn't cover. Obviously we are primarily insuring against a catastrophic injury.

I would guess we are fortunate that we can swing this...I cannot see how a couple making less tahn $75-100K/year could.

So what do you guys think is reasonable cost for health care coverage?