Even with insurance, health costs can be a financial burden. In 2021, 20% of adults had major, unexpected medical bills to pay. Source: Federal Reserve, 2022 A Bitter Pill Health-care costs for the typical American family of four with employer coverage reached $30,260 in 2022. The family’s share amounted to $12,683 in payroll deductions and out-of-pocket expenses— more than the family would spend on groceries. Source: Milliman Medical Index, 2022 $25,561 2020 2021 2022 $28,932 $30,260 Annual health-care costs for a family of four
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