Under the ACA, the out of pocket maximum for a marketplace plan cannot be larger than $9100 for an individual and $18200 for a family in 2023.
The US healthcare system is broken but if you had insurance they could not take your whole 401k.
The US healthcare system is broken but if you had insurance they could not take your whole 401k.
Lifetime and annual insurance limits aren't legal any more. It's incorrect to say that insurance has maximums.
Tuberculosis treatment for an active, diagnosed TB infection would be considered an Essential item and therefore would be covered. It's also incorrect to suggest that insurance might just choose not to cover it.
As a non American who doesn't know much about the American healthcare system beyond what the internet and news tell me I so want to believe what you're saying but something tells me that there's at least one person out there right now in the US walking around with untreated TB because treatment wasn't classified as essential by some uncaring bureaucrat.
You don't need to trust me. It's really easy to Google: https://www.healthcare.gov/coverage/what-marketplace-plans-c...
> but something tells me that there's at least one person out there right now in the US walking around with untreated TB because treatment wasn't classified as essential by some uncaring bureaucrat.
No, TB is treated as a significant public health threat. No insurance company would dare deny treatment for TB because the ensuing liability would be massive. They'd be on the receiving end of gigantic lawsuits from everyone who was possibly exposed to the person, not to mention on the receiving end of legal inquiries from the government to punish them for very clearly violating the very clear federal laws on the matter.
The US has a lot of room to improve, but it's not like the cartoonishly evil version you read about online.
I've personally dealt with this post-ACA (though not for TB).