A standard part of the financial model is an emergency fund that exists for purposes like this. I believe the advice is at least 6 months worth of expenses in t

A standard part of the financial model is an emergency fund that exists for purposes like this. I believe the advice is at least 6 months worth of expenses in the emergency fund, which should be enough to cover deductibles in the vast majority of cases. Generally, people who FIRE sensibly build quite a bit of slack into their financial models to make allowances for unexpected large costs.