$35,000 Health Coverage—Proof That You're Just a Host for the System’s Parasites

EDITOR'S NOTES

The numbers are in, and they’re downright grotesque. Annual health insurance for a family has ballooned past $35,000—a hike of 188% since 2005. This isn’t just inflation. This is what happens when you let a cartel of insurers, Big Pharma, and bureaucrats conspire in broad daylight while you foot the bill. You’re not a policyholder anymore—you’re a revenue stream. And the kicker? Your paycheck hasn’t even doubled in that same span. The wolves are at the door, and they’re not asking politely. Let’s peel back the shiny PR to reveal the real machinery behind this financial meat grinder.

Derek Wolfe Jun 6, 25

The $35,000 Toll: A Symptom of Systemic Decay

According to the 2025 Milliman Medical Index, the cost of covering a family of four under an employer-sponsored health plan is now $35,119 annually. That’s right—what used to buy you a decent used car now just keeps you barely protected from financial ruin should you get sick.

Two decades ago, the same plan ran you $12,214. That’s a 188% increase. Meanwhile, wages crept up a meager 84%. Translation: you’re paying more and keeping less. The system doesn’t care if you can’t afford it. It only cares that you keep playing the game.

Who’s Siphoning Off Your Paycheck?

Milliman’s breakdown points fingers at two usual suspects: outpatient services and pharmaceutical costs. But let’s not mince words—this is more than market fluctuation. It’s institutionalized extortion. Specialty drugs with cartoonishly inflated price tags and unnecessary outpatient procedures have become the norm, not the exception.

Employers are trying to keep the optics clean, pretending to absorb the hit while slowly transferring more cost burden onto you. This is sleight of hand with your health on the line.

The “Average” American Family Is a Statistical Fiction

To keep their math clean, Milliman uses a sanitized, mathematical family unit: a 47-year-old man, 37-year-old woman, and two toddlers. This isn’t your life—it’s an actuarial spreadsheet. But the gouging is real. It accounts for everything from prescriptions to prosthetics, hospital stays to ambulance rides. The system has monetized every step between your first cough and your last breath.

The Employer Mirage: Your “Coverage” Is Shrinking

Back in 2005, employers handled about 60% of total health costs. Now it’s 58%. Doesn’t sound like much? Look deeper. That 2% difference—multiplied by costs that have almost tripled—means your out-of-pocket share is now over $14,000. That’s $14,000 after taxes, after inflation, and before you’ve even taken a sick day.

They’re not just shifting the burden—they’re making sure it’s bolted to your spine. And the punchline? Most Americans still think their employer “covers” them. No, friend. You’re covering the system. They just send the invoice through your boss.

The System Is Not Broken—It Was Built This Way

Don’t buy the narrative that this is all just unfortunate economic happenstance. It’s a designed dependency loop, where your livelihood is chained to a health care racket you can’t afford to escape. Insurance companies, drug lords in suits, and complicit policymakers have created a closed circuit of extraction—and you’re the power source.

Every paycheck deduction, every inflated co-pay, every surprise bill is a shackle. Your health is the carrot; your wallet, the stick.

Wake Up, Opt Out, Fight Back

There’s only one way to survive this collapse: opt out of the fantasy. Diversify your income. Stock up on alternative medicines. Learn about medical tourism. Build mutual aid networks outside corporate systems. And most of all, protect your finances from the next engineered crisis.

Download “Seven Steps to Protect Yourself from Bank Failure” by Bill Brocius now — before your savings vanish into another institutional sinkhole.

Your family’s health shouldn't be a financial death sentence. But as long as you’re playing by their rules, that’s exactly what it is. Break free. The time is now.