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On my recent travels, I met a healthy, active man in his early 60s who runs a small business. This year, his family’s monthly premium reached nearly $5,000 — more than a quarter of his pre‑tax income. He made the difficult choice to keep coverage only for his wife and two children, hoping to stay healthy until he is eligible for Medicare.
No family should have to make that choice, but this story is not unusual. More than 27 million Americans lacked health insurance in 2024, and millions more have coverage they cannot afford to use because their deductibles are so high. The average employer‑sponsored family premium is nearly $27,000 a year.
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