[patja]

HDHP is good advice but doesn't save anything from the prices cited above. My HDHP Bronze plan is over 2k/month for 3 people.

[giantg2]

Not to mention, this paradigm completely fails for almost anyone with an income that isn't above the 50th percentile.

[JumpCrisscross]

> this paradigm completely fails for almost anyone with an income that isn't above the 50th percentile

I'm in Wyoming, and our threshold is under 200% the poverty line. That's $53,300 for a family of 3 [1]. Median household income–nationally–is $84k [2]. In Wyoming, it's $75k [3].

That's a gap. But it's a workable one.

[1] https://health.wyo.gov/healthcarefin/chip/doesmychildqualify...

[2] https://fred.stlouisfed.org/series/MEHOINUSA672N

[3] https://usafacts.org/answers/what-is-the-income-of-a-us-hous...