at any income a deductible out of pocket of $12,600 and a premium of $7,224 per year. The total $19,824 represents 40 percent of $50,000 and 20 percent of $100,000 gross income
So 40% of $50000 income goes to healthcare if you get sick. How is that affordable and that would bankrupt a lot of people.
It's a joke. The reality is, from my perspective, that if you have a family of four with young children you are likely all at an age that shouldn't require you to have extensive coverage (e.g. you probably aren't on a ton of meds, and are not dealing with the types of medical issues that generally arise later in life). What you need is coverage for the unfortunate unexpected high-cost illness. That shouldn't cost a ton of money.