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.
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.