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$25,000 a year for a family health insurance plan. A figure so staggering it made me do a double-take. The amount rivals the price of a car and does not even include out-of-pocket expenses. Until recently, this number — and health insurance in general — felt distant from my everyday life. As a second-year business student, I knew health insurance was important, but I had not really considered how these costs came to be or who was making the decisions behind them.