Even with… some of the high deductible or catastrophic-only plans have thousands upon thousands of OOP per year. Given that it’s the end of the year, someone with “mangled limbs and amputations” as they described some will get tucked with thousands times TWO very quickly. Even that is enough to destroy a family, let alone some having an inability to work for a long time and maybe never again if they were in a physically demanding field (day construction or similar) that can’t be done with one leg/arm or no legs/arms. For many even a $10k outlay for copays and such would destroy them.