Paid all of my medical bills!

[Hotstreak]

I hit my out of pocket maximum of $5000 in late August, and the last of the bills just came in.  I missed a LOT of work this year, drove to many appointments, and also spent about $500 for various things insurance didn't want to cover.  I am sending in the last payments TODAY and I am proud to say I don't have any credit card balances and didn't need to borrow any money to do it.  I could never have done this without the MMM modifications I made to my spending over the past few years.  My salary is $49k/year.  I am looking forward to getting these medical issues fully resolved by the end of my insurance calendar, so I can put all this cash towards investments and savings next year!

[Axecleaver]

Congrats! You might want to look into itemizing deductions for 2015 taxes, since you're well into the deductible portion of your income (you're over 10% already). It can be tough to deal with a medical problem that's draining your will and your pocket at the same time.

If you have the chance, compare plans on your state's health insurance exchange armed with your understanding of your expenses. Usually, the higher premium plans will be worth the price for people hitting the OOP max, as they come with lower OOP maximums, and lower copays.

[Rosy]

Don't remind me - next year will be $6000 for eye surgery not covered by insurance and I plan on having some tests done, so my $350 deductible will be gone with the wind - actually come to think of it maybe Medicare will help out with some of that.

Hope all is well soon and next year you will accumulate a nice cash stash instead:)