Families with health insurance now spend an average of $5,700 per year on premiums, the Kaiser Family Foundation’s annual employer survey found. That’s just the money coming out of each paycheck. Then there’s the bills sent by the physician office, pharmacy and hospital. Even for families with “good insurance” and relatively minor ailments, medical costs can quickly eat away at money set aside for sports fees, piano lessons, and in some cases, food and housing. Nearly half of Americans with health insurance say they would need to use credit cards or a loan to pay an unexpected $500 medical...