Insurance Salesman: "Your employee benefits have just kicked in at your new workplace. Congratulations! Now you can buy ObamaCare-compliant, group-rate negotiated health insurance through your employer." Millennial Worker: "Uh, thanks! Okay, so what's it going to cost me to insure myself, my wife, and one child?" Insurance Salesman: "For a family of three, $600 a month ." Worker: "Phew. Seems a little steep. That's $7,200 a year. That would be my second biggest expense after my house payment. That cuts us down from making $40,500 a year to $33,300 after paying for insurance. I mean that's ridiculous. We've both got student loans too. How do we even save?" Insurance Salesman: "Not so fast- there's a $7,400 annual deductible too." Worker [raises his eyebrows]: "What's that mean?" Insurance Salesman [narrows his eyes]: "Well you have to pay for $7,400 of your own medical co...