I'm likely leaving my job and want to buy private healthcare insurance. For the plan I am interested in, the out-of-pocket max is $7,500 per year. I can definitely afford that if I can plan for it knowing my out-of-pocket max will NEVER exceed $7,500 under the worst case scenario. That is, spending $7,500 per year on health care is something I CAN do if I absolutely had to.
However, I've heard stories that it's never that simple, and that if I did get hit by a bus or experience chronic illness, I'd end up paying much more than the $7,500 and probably eventually go bankrupt.
My question is, can I reliably depend on the $7,500 out of pocket max per year, or is that unrealistic and in the case of a catastrophe, all bets are off and I'd probably need to pay out much more per year?
Just seeking anyone with experience with healthcare on how realistic the out-of-pocket max really is for a company like Blue Cross.
Thanks!
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