Yes and yes although the latter can be quite high. I’m not saying our healthcare isn’t insane, I’m just saying it costs nowhere near 18k outside of edge cases. In reality full time daycare will run you 22k/yr for a moderate cost of living area and is, by a long shot the most expensive portion until college.
For us and everyone we know it was under $200. I’m not saying that everyone is going to have our levels of insurance but you are greatly exaggerating.
The biggest cost by far is childcare hands down.
Edit: I know I know, a $2500 median out of pocket expense hurts everyone’s head cannon.
is this written into the law as covered before deductible and maximum out of pocket?
Yes and yes although the latter can be quite high. I’m not saying our healthcare isn’t insane, I’m just saying it costs nowhere near 18k outside of edge cases. In reality full time daycare will run you 22k/yr for a moderate cost of living area and is, by a long shot the most expensive portion until college.