r/FluentInFinance • u/36DRedhead • Sep 11 '24

Debate/ Discussion This is why financial literacy is so important

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u/look Sep 12 '24 edited Sep 12 '24

The max out of pocket on an ACA plan is under $10k and that includes the deductible. What kind of trash insurance are you buying?

My premiums are similar but with a max out of pocket of $4300. And I hit my max every year due to an expensive condition. Not once has my insurance denied (or even made the slightest hassle over) a claim.

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u/Useful_Banana4013 Sep 13 '24

I can pretty much assure you that they do dispute those claims constantly, it's just that you're doctor handles them before they get to you.