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by dsfyu404ed 2631 days ago
>Don't get an insurance that is capped at a low number, otherwise you will go bankrupt if shit hits the fan.

But shit will not hit the fan for the overwhelming majority of people. There's no good reason for someone in their 20s (or 30s) with, no dependents, no history of medical problems and doesn't partake in a dangerous lifestyle to load up on coverage. Loading up on coverage in that situation might make you feel warm and fuzzy. It might win you internet points. It is not financially sound.