Workable ideas would be more useful.
some lack breadth (i.e. you forgot the catastrophic coverage component of MSAs).
But a family would still need to come up with $10,000 or $10,000 in deductabls plus huge co-pays.
No ‘workable’ plan will work until we can control the attorneys and alphabet gov departments. IMO.
That $10,000 number represents a family with a serious health issue, not an average.