Originally Posted by
RockyBoy
The chances of you hitting the family out of pocket max is probably about the same as winning Mega Millions. You don't have to meet the family deductible for an individual, just the individual deductible. So if your entire family gets cancer then it becomes a factor.
For the last three years, my family has hit the the max by around May/June. I still haven't won the Mega Millions or Powerball yet.
I have DPMP. While the premiums are higher, maxing out early and getting essentially free medical for the rest of the year balances out. The downside is having a kid who has some severe longterm health issues that lead to the maxing out. The Mayo clinic ain't cheap. but they do good work!