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I wasn't being fair. The 10k I quoted was the cost of insurance premiums for my wife and I and our kids, and about a third of it is paid by my employer, and I was rounding off anyway. And the $100 I quoted was also a ballpark figure for just my doctor visits. If you counted the four of us, it would be more like $1k.
So I'm getting about a tenth back, not a hundredth.
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