> Once all your individual deductibles have reached a set value called an "out of pocket maximum", health insurance covers 100% of it. Keep in mind "out of poc

> Once all your individual deductibles have reached a set value called an "out of pocket maximum", health insurance covers 100% of it. Keep in mind "out of pocket maximum" doesn't mean what any normal person would consider it to mean. You can (and I have) easily end up having to pay way more out of pocket than the supposed maximum. That's because the insurance company can unilaterally and arbitrarily decide how much of what you end up paying out of pocket they actually credit towards their tally of "out of pocket".