 For me, it should have been an easy decision. I was a physically active 39-year-old with growing bilateral hernias. So why tempt fate? Well, because hernia repair is really expensive. That's even with insurance. See, I got my surgery on April 12th, and our family's in-network deductible is $3,200. Our maximum annual out-of-pocket is $4,600. And as of the end of June, so that's just six months into 2024, and only three months since my surgery, we've already paid them in full.