In my case, bi-weekly premiums of $492...nominally $13k in premiums from before tax income. Must pay the sum of all deductibles for persons covered with after tax money...$7k of after tax before getting a penny of benefits from the premiums. That $7k after tax represents $12.5k gross (pre-tax). Roughly $25,000 a year if I need any medical services and $13k if I don’t use any. Such a deal!
Insanity
Your numbers are almost as bad as ours. I am 59. Hubby 62. I ran our numbers on CoveredCa and it came out to 27% of our income if we used medical services.
I have been posting this ever since the website was up and running but they are just now figuring it out.