My charitable budget mostly goes to $50k or so of annual healthcare spending, between premiums, copays, and whatnot. I've yet to find a charity willing to cover

My charitable budget mostly goes to $50k or so of annual healthcare spending, between premiums, copays, and whatnot. I've yet to find a charity willing to cover it, which is part of why I'm pretty skeptical about scaling that approach up even further. If you're giving 11% to genuinely charitable causes, good for you! But you're very, very much an outlier.