Reply to Spouse has cancer. Divorce?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I always hear stories of people getting cancer and going bankrupt even with insurance.  How is this possible with out of pocket maximums?  Unless you need a full time caretaker or an experimental treatment, won’t 99% of insured patients just hit their max each year? What am I missing?[/quote]

You aren’t missing anything. Of course some people can’t afford to pay their max each year or demand some kind of treatment that is not covered. When you dig in, there is always some reason beyond “cancer bankrupted me.” Even if we had to pay the OOP max for both in-network and our-of-network treatment each year, it still would not bankrupt us. I think the other issue is if the sick spouse can’t work and the other spouse isn’t employed or makes too little. [/quote]

NP. I’m a sahm and before that I was a teacher making 40,000 a year. If my spouse wasn’t able to work due to illness, we’d lose our health insurance and even though I’d of course get a job as quickly as possible we may definitely be in serious financial trouble.[/quote]

If your spouse lost his job, you’d immediately qualify for the ACA health insurance with subsidies due to low income. [/quote]

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