Nothing deducted from my check.
It’s a plan for only my family. (Through the “exchange”)
Wife and 5 kids.
$500 deductible per person
$700 deductible family.
90-10 copay after that.
Maximum out of pocket $6500 yearly for catastrophic events.
All of this is irrelevant because your original statement was “12-20k for medical insurance”
Our plans cost about $20k/year per employee, and employee covers half the monthly premium.
We still have decent coverage. Max out of pocket is only $4k, with $500/2000 deductible and 90/10 on visits and the like.
In my particular state I can't find anything even remotely close on the exchange. Sure, I can find crappy plans but because I'm earning a decent income I'd be spending $2k+ a month on them. It's the socialist way. Take from the achievers, give to the worthless.
If you couldn't tell, it chaps my ass that I have family on all the assistance living better than me because I get to pay $40-50K/year on taxes while they contribute nothing.