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this post was submitted on 26 Jun 2025
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Asklemmy
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So there is also an out of pocket maximum which is the most you’ll pay in a calendar year no matter how much your expenses are which vary by insurance plans but in my experience have generally been between 5-15k with 15k being for much cheaper insurance and 5k being for better insurance so if you have 1m in medical expenses and copay would be 200k it would instead be just that max out of pocket of approximately 10k, which while not great is much more manageable. The unfortunate thing is that is tied to the year so if you start treatment in November and finish treatment in March that 10k per calendar year turns into 20k since it was over the course of 2 years
That's what I've been missing all this time.
Bottom line is:
If you have income above the poverty line, say $2k/mo, don't pay the insurance fee for some reason (the income is from something shady like onlyfans or etsy), you don't have a disability, and you're younger than 65 - only then you can get million dollars bill.
Otherwise, cancer treatment could cost you up to $15-30k and sometimes even be free.