The consequences that can come are really terrifying but do not forget. There are scenarios in which everything can be saved or controlled in case of emergencies, like the one you described. First, you need to know that insurance plans differ in many important points. Co-pay is a fixed amount you pay for each medical service, and the insurance company covers the rest. Deductible - The amount that must be spent before the insurance coverage begins to operate, co-insurance - you pay a certain percentage of the cost, the rest is the insurance company, and the out-of-pocket maximum is the maximum amount that you spend during the year you start to receive 100 - percentage coverage from the insurance company. Based on this, plan thing vs plan n regulation plans were devised. Do not be afraid of what is already thought out. Could I help you figure it out?