Open enrollment time is upon us. We take (won’t be next year) my wife’s health insurance.
My employer pays us our stipend outright if we don’t take their insurance. I was unaware that my wife’s employer has a medical reimbursement plan if you don’t take their insurance.
So crunching the numbers with 3 scheduled surgeries and my unexpected emergency surgery I cost us a little over 10k out of pocket in just those surgeries that would have been reimbursed 100% by my wife’s reimbursement plan.

Granted on a normal year it would have been about a 3k mistake.