Seems that the highest deductible plans I see have an 11k or so out of pocket for family. Maybe 16k for out of network. That's definitely a huge number, but shouldn't bury anyone who has been adequately saving their money, especially a 41 year old.
You are being absurd. The only people who can save that kind of money are incredibly well off, and that's a status that the majority of Americans don't have.
Incredibly well off? Lol, just no. I have that in savings and my wife and I earn under 100k combined. Hell, my wife saved 30k for a house down payment on her own with a teacher salary. You just have to be disciplined.
And you don't deserve to lose your savings for causes that aren't your fault. Neither does anyone else. The victims shouldn't be responsible. Period.
You're right that no one deserves that, but things can and do happen all the time and that's what the savings are there for. ---
