Health care in the U.S. is very very expensive.   In the last year between having Ryder and then everything going on with my back, I've spent thousands of dollars and I have private insurance.  My deductible is $300 and I pay 20% of the charge but that still adds up. I haven't sat down and added it up (I'm scared to, lol) but it's got to be around $4,000 by now or more.