As it would happen, we're currently in open enrollment so I looked at what is coming for next year. OOP medical max is $4,000 for employee or $8,000 for family

As it would happen, we're currently in open enrollment so I looked at what is coming for next year. OOP medical max is $4,000 for employee or $8,000 for family for the HDHP plan. So in the ballpark of what I guessed. It's an amount that would be somewhat disruptive but would not be bankrupting. That's exactly what you want insurance for. People misunderstand insurance when it comes to health care, they think they should never have to pay out of pocket for anything, but that isn't how insurance works for anything else. Insurance is protection from catastrophe, not something that makes routine, predictable expenses go away. And yes I have an HSA, it is required for HDHP plans. And I make close to the max contribution every year. I've been at that long enough that I have several multiples of my max OOP saved.