I mean my wife and I pay $700/mo premium, we both hit our $2500 deductible this year already, my physical therapy is out of network and costs me $800/mo

That's $23k already before prescriptions and we are in our 30s with no major health issues.

> my physical therapy is out of network and costs me $800/mo

That part doubles what you are paying yearly and is EXTREMELY uncommon. For most Americans, an appointment that costs $800/mo is one you don't schedule because you quite literally cannot afford that and will go through bankruptcy attempting to.

You literally proved my point.

You spend $11500 per person, while the original statement alluded to $30k for a single adult.

Do you honestly not see the difference or are you that well off that $18500 is not a significant amount of money to you?

I said I believe 30k is possible

You are free to argue against whatever strawman you desire... Chasing your own shadow though