<human>: Can you summarize the given text in a few sentences?

I need to get a data point to see if this is normal. I get health insurance through my employer; they pay part and I pay part. Monthly payments on my part are 470$, they pay some additional on their side too. The plan has a 2500$ deductible per person before 80/20 coverage starts and the total out of pocket is 7500$ for the entire family. I have 4 kids so we always end up hitting the out of pocket total. I have a good job but my wife does not work. Since my employer offers health insurance I also don't think I'm able to get a subsidy through the health exchange, correct me if I'm wrong. I always keep up with the bills and keep everything paid, but the cost is eating me alive. I own 3 vehicles(used/old), if I had to replace all 3 of them it wouldn't cost me this much. I don't even pay this much on my mortgage in a year.
<bot>: Premiums out of my pocket 470$/month. 4 kids, total family deductible before 100% coverage is 7500$. I have 4 kids, so my total yearly cost is always **13140$.** Is this normal?