As much as I hate the American health care system as a senior citizen, there is an out of pocket maximum that you can budget for if you have all of the parts.
From what I understand it’s Medicare Part A+B and either Part C or Medigap.
Of course private insurance especially for older Americans like Part C and Medigap is Byzantine if you actually need it and some doctors don’t accept Medicaid (low income) and a few don’t even accept Medicare.
I don’t know much from either first hand or second hand experience because my mom and dad (83 and 81) are under my mom’s teacher’s retirement insurance and between them (two pensions + social security) medical expenses are more of a nuisance than something that they stress about.
My comment had nothing to do with being a senior citizen.
If you're putting the maximum in your HSA each year, you're participating in a high-deductible healthcare plan.
> If you got your HSA-qualified HDHP through your employer, your average [premium] looked like $90 per month if you were single and $432 for your family.
> Median annual deductible for private industry workers participating in HDHP plans was $2,750.
> Average out-of-pocket maximum was $4,422 for single coverage.
