[danans]

> $143k is almost 3 years pay. I would have rather had it paid to me. Then i would have spent my money for my healthcare

What would you do in the unfortunate event that you required medical treatment that cost 10x your annual pay (a real possibility)?

Absent an insurance policy, who would you expect to pay for that? Or would you instead expect your employer to pay you (and everyone else) the maximum theoretical health care costs you might incur? That's not possible in any system.

The point of shared risk pools is to protect people against such extreme outlier costs, and you've been the beneficiary of other people keeping up their end of that contract.