I spent half that time in Critical Care (much of that on a ventilator, a small amount sedated), and most of the rest in a specialist neuro-rehab unit. I would have died otherwise.
Fortunately it cost me nothing - Thank Bevan for the NHS - but if I were in the US I imagine I would be financially crippled!
Haven’t seen anyone mention maximums. Sometimes insurance plans will straight up stop covering you after a certain price. Like, for the rest of your life. Imagine running up a cancer treatment bill in your teenage years and being cut off until you either die or somehow live long enough to get a job with different insurance.
Holy fucking shit just burn the whole industry to the ground at this point.