Even with insurance, health costs can be a financial burden. In 2023, 23% of adults had major, unexpected medical bills to pay. Source: Federal Reserve, 2025 (2024 data, most current available) A Bitter Pill Health-care costs for the typical American family of four with employer coverage reached $35,119 in 2025. The family’s share amounted to $14,750 in payroll deductions and out-of-pocket expenses— more than the family would spend on groceries. Source: Milliman Medical Index, 2025 2023 2024 2025 $31,065 $32,066 $35,119 Annual health-care costs for a family of four
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