I pay about 15% of my paycheck, my employer pays an equivalent amount as well. I hold my own insurance through my employer, my husband has his own employer insurance that he covers the children under. His plan covers more items, but is more expensive in both cost and copays than mine. Having me under my own insurance saves about 3k a year. With our "good" insurance we had while I was treatment, we incurred debt. Some of this was health expenses, but the rest was because in the US you can't get loan deferments for cancer treatment. I was suddenly out of work, with no pay, no unemployment, and no disability with a young child for 3 years. Thankfully we owned a home at the time that we took out a home equity line of credit against. We cleared the loan when we sold the house, before the payback period. We don't own a home now, and not having an asset to borrow against worries me. We did add insurance under my husband that will pay out a lump sum if one of us gets seriously ill, and that makes it easier to swallow that we aren't sitting on a bunch of equity. But I'll have to say that it hurt when we got the check from the sale of the house and it was half what it should have been just because I got cancer. I'm lucky to have the best husband in the world; so he'd never think this way, but I still sometimes get angry thinking about how much money I cost my family. It would've paid for a chunk of a college education.