[verisimilitude]

That is correct. To corroborate: my health insurance contract states I must pay $13,600 towards my medical expenses (this is AFTER premiums) per year, before they will begin paying on my behalf.

[maxxxxx]

That's an extreme deductible. How much are your premiums?

[verisimilitude]

I just got next year's fees: premiums are $911.86 per month for family of three. More than the principal and interest on my house...