Perhaps removing the 'lifetime caps' on most services changes this? I'd have thought, for example, if there's a lifetime cap of $10m on services from my insura

Perhaps removing the 'lifetime caps' on most services changes this? I'd have thought, for example, if there's a lifetime cap of $10m on services from my insurance company, and I have, say, $50m in an account just for my medical needs, I'm more than self-insured compared to what I'm protecting myself from with insurance. It seems 'lifetime caps' are largely gone for most services now. EDIT - thanks for your reply.