I am self-employed and pay $6000 a year for high deductible health insurance for my family that has a $5000 deductible. So if my child breaks their arm and that is my only expense that year, then I paid $11,000 for their broken arm. Not cheap by any means. I'm sure lots of people on this forum work for companies that cover their whole cost of insurance and are out of touch with costs, but the "Affordable" Care Act has not made health insurance more affordable.