insurance is part of health plans. There is a deductible and an out-of-pocket max, which are both designed to protect you from those catastrophic risks. But because those catastrophic risks are best addressed by preventative care, and regular checkups, and freakin’ gym memberships, so the economics of insuring health becomes the economics of health incentivization, fucking around to figure out what it takes to get people to take care of themselves in advance rather than waiting but not getting people to go to doctors for frivolous issues.