Okay that makes sense. But this let's us just get at the fundamental problem of healthcare in this country.
Right now the cost of providing healthcare to five average americans in an average year is $9500*5 = $47,500. Let's call this $50,000/year to make the math easier. Alternatively, using my "what seems fair to me" number above, this would be $6,000*5=$30,000/year.
You're saying that, while earning significantly more than the average household, the amount you can afford to pay for healthcare is $10,000/year.
To get from where we are now, to where you could afford to pay for healthcare for your family, we'd need to shrink the cost of providing care by between 65-80%. Put another way, that means eliminating between two out of every three dollars currently spent on healthcare and four out of every five dollars spent on healthcare. That's going to be hard.
In 2015, we spent $3.2 trillion dollars on healthcare. To cut the cost of healthcare for five people from $50,000 to $10,00, we'd need to reduce healthcare spending to $640 billion/year.
Let's say we're going to cut out all the price gouging by the insurance industry, pharmacies, and hospitals. Depending on the subsector, healthcare companies make between 1-7% profits per year.* If we take the highest end of that range, that means we've gone from $3.2 trillion to $2.98 trillion.
What about drug companies? Drug companies made $515 billion in revenue in the United States and Canada (I couldn't find US only numbers) and make 20% profit margins overall. So if we cut their profit margins to zero, that's another $103B in savings. Now we're down to $2.88 trillion.
What else? Malpractice insurance. This apparently costs 2.4% of total healthcare spending (both for premiums and also unnecessary tests ordered by doctors to avoid legal entanglements). Let's eliminate malpractice liability entirely, that's another $76 billion saved: $2.80 trillion.
Oh right, and what about the administrative overhead of billing and negotiating with insurance companies? It turns out this is a big one, about $471 billion gets spent every year just on this stuff which has nothing to do with actually providing care.** If we zero this out entirely (which is optimistic, but realistically this spending is only 20% as much in systems like canada's public healthcare system or medicare in the USA) we're down to $2.33 trillion.
We've taken on all the traditional villains of the high cost of health insurance, and we've reduced the cost of health care by nearly a third, which is pretty darn good, and would put the US more in the neighborhood of switzerland or norway in terms of per-capita healthcare spending. However that means the cost of healthcare for a family of five would be around $34,600 (Assuming we started at $9,500/person). To get the cost of healthcare down to $10,000 for a family of five, we've still got to find another $1,700 billion in cuts to make and I'm not sure what those would be without reducing the quality of healthcare or rationing healthcare.
I guess my point is just that healthcare is ridiculously expensive, and even tackling all the traditional villains of healthcare costs don't get it down to prices that feel affordable.
*Source:
**https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4283267/