Comment by jjav

> Individual deductibles are limited by law to ~$6500 even on the worst plans.

Deductibles can be higher, but more importantly it's very important to undertand that "out of pocket maximum" does not mean the same thing to normal people vs the insurance companies.

One would think that a 10K/yr "out of pocket maximum" means in the worst case scenario you may have to pay 10K/yr and then insurance covers the rest. Which wouldn't be that bad.

If that were true the US wouldn't have the epidemic of people going bankrupt over medical costs.

What really happens is you get hit with a 200K bill from a hospital visit and the insurance company decides unilaterally they don't really feel like paying based on some obscure technicality, so then that amount does not count towards your "out of pocket maximum". So now you're on the hook for the 200K, good luck.