So between you and the go’vt. you pay $1000 a month ($12,000 a year)for a policy that only covers $7500 in expenses per year? I think you’re mistaken.
He probably means the max out of pocket is $7500. Where I work a family max out of pocket is $9,150 - for myself (employee plus one) it’s $6100. That’s the max I have to pay after my $3000 deductible and 10% co-pay.
I don’t mean to be snoopy USN but what is your deductible? You don’t have to answer.