Considering the average family cost for insurance is $22.5k
https://www.kff.org/report-section/ehbs-2022-section-1-cost-....
It is quite feasible that redirecting all of that to a tax-free savings account could pay for itself in no time.
https://www.kff.org/report-section/ehbs-2022-section-1-cost-....
It is quite feasible that redirecting all of that to a tax-free savings account could pay for itself in no time.