How do you know if you are getting
enough insurance?

Easy, Assuming you can comfortably afford the monthly payment on the health insurance policy, the out-of-pocket maximum is reasonable if you have sufficient liquid reserves to cover the amount.

i confess that there are several parts of this constitution which i do not at present approve, but i am not sure i shall never approve them: for having lived long, i have experienced many instances of being obliged by better information or fuller consideration, to change opinions even on important subjects, which i once thought right, but found to be otherwise. it is therefore that the older i grow, the more apt i am to doubt my own judgment, and to pay more respect to the judgment of others.

the congress realized that action had to be.