Secondly, our household income is much higher than the $59,000 average. That means your $4300 - $5900 range is inaccurate.
So what is your HH income, then? We can get more accurate that way. I used the $59K because that is the national median HH income.
But you'd also need to note what your OOPE are, and that would include your deductible, drug costs, co-pays, etc.? So what are those?