fawningandconning t1_iuhwebl wrote on October 31, 2022 at 1:43 PM

It’s all about risk tolerance with stuff like this, personally it wouldn’t be worth the extra money for me. I’m similar to you and in a decade have never really come close to hitting any OOP max.

Jeeperscrow123 t1_iuhwx27 wrote on October 31, 2022 at 1:47 PM

Hah yep! It works well when we don’t but we will pay if we ever have a year of costly expenses!

fawningandconning t1_iuhx9vt wrote on October 31, 2022 at 1:50 PM

I also personally have a bit of a cushion, as my job has this “medical reimbursement account” similar to an FSA except it can only be used on doctor office deductibles and you accrue money in it from incentives. I have enough in there to cover my in network OOP max but even without that I’d accept I just had an unlucky year!