[dv_dt]

I think if you read the fine print, it is quite possible to get hit by high out of pocket costs in surprising circumstances, but also if you have an extended illness. You may very well have had great coverage, but it's all to easy to end up in a uncovered circumstance. Most medical bankruptcies are people who have health insurance.

Also as the average age of many high tech companies increases, expect more cost limiting changes from offered benefits.