Health insurance premiums are $500 to $2,000 per person per month in the US (price goes up with age). Annual out of pocket maximums are usually $5k to $15k (varies based on individual or family plan). Annual deductibles are usually $2k or may even just match the annual out of pocket maximumum.

A family of four can easily be spending $30k in premiums plus a couple thousand in out of pocket expenses per year.

This info can be found by searching reports from KFF, or checking prices on healthcare.gov

And while many people’s employers pay for a large portion of the premium, the cost still exists, they just don’t receive it in their bank account first before paying it to the insurer.