That’s about what I make before taxes and I provide health insurance on my own for my family of 5. This seems clearly a case of roll the dice decision by the Frost parents. If no one needs it we “the Frosts” win. If we do we can always fall back on the public teat.
For my family a high deductable (2500x3) policy cost me 3 grand a year. i have the deductable money in the bank through frugal spending habits. Although I still have enough toys to keep the family and myself entertained throughout the year.
You wonder how the Frosts would be able to spend over $1200 a month to procure Health Insurance. Maybe they wanted a no-deductible policy. Seems foolish.