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> I cannot have a $100k bill to pay, it'd destroy everything I have.

Welcome to US healthcare. Happens daily! :)



That makes me happy to be an European


I'm not in the US, and would not dream of going there without health insurance.


Happens even with insurance.


The max out of pocket is about $8k under the ACA. That is a lot of money for a lot of people, but it isn't nearly $100k


There are a bunch of costs that could increase this number: having to deal with networks, having an emergency and having the max amount for a procedure exceeded, and, in some cases, your deductible.


Your deductible counts towards the out of pocket max




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