[refurb]

You work in Silicon Valley, have good insurance and you’re worried about medical bankruptcy?

I was in the same shoes as you and had zero concerns about it (yes I realized that a very lucky position to be in). Even if I had something horrible happen my max out of pocket was like $4k for the year with no limit to coverage.

If I lost my job, had zero income and no insurance I’d qualify for Medi-cal.

[tclancy]

How did it go when you had a really serious medical situation? My eye opener was my first programming job when one of the owners had twins with really serious health problems at birth. Turned out a million dollars was the cap the insurance was willing to cough up for them.

[klipt]

I think lifetime caps are now illegal thanks to Obamacare?

[refurb]

No more lifetime caps.