Annual basis for what is a lifetime time frame is one of those things that's bonkers the harder you think about it. I knew a guy. In 2008 his wife's company we

Annual basis for what is a lifetime time frame is one of those things that's bonkers the harder you think about it. I knew a guy. In 2008 his wife's company went under. So lost the health insurance she'd had for 15 years. No COBRA and in 2008 no ACA either. Her gall bladder got infected and they had to put a second mortgage on their house. Both of them had been paying for insurance for 25 years at that point. Me I didn't have health insurance between 18 and 40 when I started working for a big corp. Two years later racked up $50k in medical bills. Insurance paid almost all of it. Crazy.