Signing up to pay $56k next year in premiums for health insurance, but there is no benefit until we've exhausted our deductible of $13k (family), at which point we get a slight break on medical costs until we've paid $15k.

In other words, we are signing up to pay $71k as "insurance" against going bankrupt from getting cancer or getting in a motor vehicle accident. Land of the free.
#ACA