[refurb]

I narrowly avoided that issue when my kid was born late in the year. But yeah, you end up paying almost double for the same thing because of the deductible and out of pocket max resets in the new year.

That said, I was able to take advantage of it by making sure my surgery was scheduled before end of year. Ended up paying something like $200, rather than $1500 if it had happened in January.