[jjeaff]

If you have $3m, sure, a business crisis could wipe you out, but if a medical one does, it's your own fault. Health plans can't even have maximum lifetime payouts in the US anymore. They will have to pay for everything over your out of pocket max.

[tedmiston]

There are plenty of exclusions in the fine print for out of pocket max in most policies though. It seems more cut and dry than it is.