The lady's situation is awful, but expected. These HDHPs got shoved down our throat with accompanying HSAs that lack initial funding to cover the out of pockets

The lady's situation is awful, but expected. These HDHPs got shoved down our throat with accompanying HSAs that lack initial funding to cover the out of pockets out of reach to most Americans. Adding insult to injury out of pocket charges appear way out of line with the negotiated amounts insurers pay once one meets the sky high out of pocket. The only employees winning here are those enduring catastrophic expenses and the mid 6+ figure earners able to sock away above-the-line (!) tax free HSA deposits. It might have worked if there were incentives to enlighten employers to top off their worker's HSAs every year so treatments aren't cancelled or put off, but it isn't happening, and the result is most of us are covered but few of us can use it.