> I have never met a normie whose insurance covers more than 1 million in yearly benefits. So no, they aren't covering millions of dollar claims.

Legally, an ACA compliant plan has to cover healthcare expenses more than the out of pocket maximum. “Benefit maximums” are not allowed under the ACA.

https://www.healthcare.gov/health-care-law-protections/lifet...

> Lifetime limits

>Insurance companies can’t set a dollar limit on what they spend on essential health benefits for your care during the entire time you’re enrolled in that plan. Yearly limits

>Insurance companies can’t set a yearly dollar limit on what they spend for your coverage.

Here is a famous example of a single healthcare recipient causing an insurer to stop selling insurance in a state:

https://www.desmoinesregister.com/story/news/health/2017/05/...