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this post was submitted on 11 Dec 2025
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A Boring Dystopia
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I spent 10 years working for vision and dental insurance. The only benefit of plans with a high deductible, like what you are describing, is it puts a cap on your own spending. Look at your plan’s maximum out of pocket. That number represents how much you have to spend out of pocket, before you are fully covered. What you spend towards the deductible is counted towards the maximum out of pocket. (If my deductible is $4000, and my max oop is $10,000, I won’t get 100% coverage until I have spent $4000 towards the deductible, and $6000 in copays/coinsurance.)
In all honesty, some of these plans have such high deductibles and max out of pockets that even with insurance, a major illness would be financially devastating. I’ve been in that position and just decided not to have insurance. Like if I’m going to be fucked no matter what, may as well save those insurance premiums for an emergency instead of paying a middleman for nothing.