Has anyone ever heard of a $39,000.00 per year health insurance premium ???

[politicat]

7. ... It's vaguely possible, if multiple conditions are met

1) they have completely separate plans, not a family plan (because family plans have shared deductibles.)
2) Both Plans are platinum plus level care, with essentially no out of network at all and the widest possible in-network.
3) Neither plan has any type of gate-keeping, such as PCP referral requirements.
4) both may be well above 55 and below 65 and have an income that puts them well above exchange pricing.

That's a $1600 per month, per person plan. It indicates a really stupid person and a rapacious broker if they were willing to sign up for that, because for half the monthly cost, they could have a very good gold plan with a very low deductible for both.

A family of 6 -- two adults, four children -- totally self-employed, on a Gold plan, might have a monthly premium in the $2-3K range. Which is still cheaper than paying out of pocket for two broken arms, three ear infections, an adult kidney infection and an ovarian cyst removal, which is approximately the average annual usage of 6 regularly healthy, generally active people.