[eli]

I personally agree with the sentiment and I've never regretted having too much insurance.

But in this case wouldn't that scenario likely hit the same out-of-pocket limit that's on the bronze, silver, or gold plans? Or do I not understand how that works?

[ctdonath]

Why is out-of-pocket even a concern? Health insurance should cover unlikely catastrophic issues costing 5-8 digits, leaving generally "young & healthy" patients to absorb lesser costs in exchange for practically no maintenance costs.

If the bronze/silver/gold plans cover the petty stuff (routine checkups) but hit the wall on something as moderate as a pacemaker (as contrasted with, say, open-heart surgery or cancer chemotherapy), then the plans are royally screwed up. Don't go implementing a health care plan just to find out what's in it.

[eli]

I'm confused. How do they "hit the wall" if you won't have to pay more than the out-of-pocket limit of $6350 per year but they still have to cover you? Do I not understand what that number means?