<prompt> Human: I make 4600 per month before taxes working for a company with about 300 employees. I just had a baby and my premiums are going to be 980month for my wife, baby, and I. I will have to sacrifice my 401k to pay for health ins. Am I a sucker or is this the new normal after obamacare?  <response>: For those who want more information on whats normal for premiums and this historical increase, check out the Kaiser Foundations annual survey results:Its interesting to see that premiums rose 69 from 2000 to 2005, and rose 27 from 2010 to 2015.Youll also see that the average employee contribution to family coverage is 5447year for HMOs. The OPs cost of 11760year is well above that and it means you are choosing to take a 6k pay cut to stay at your current company. 