Guess you have never heard of cancer?... Very easy to hit the max in more than one year.. Especially if your diagnosis comes toward the end of one year.. There are many chronic diseases that last for years and years. ..I probably have 20 or more specialist visits plus MRIs, CTs, and other tests that are rather expensive every year....Now, add that to the fact that if I happen to choose the wrong MA, many of my practitioners will no longer treat me because back when I checked, I could not find a single one that covered every provider I use.. . I not worried about the money I won't have in my pocket when I die in my sleep, I am worried about the money I won't have when I need treatment.It is possible to imagine a medical condition that could go on for years with some kind of expensive treatment that could use up much of the maximum out of pocket on a Medicare Advantage. I wonder what the percentage is of those who pay thousands of dollars for Medicare supplements over the years, then die in their sleep, vs those who have Medicare Advantage and spend more than the average a supplement would have cost them over the years. One big problem, most who buy MA's don't or can't set aside enough money to have a decent emergency fund.