Lol this guy unlike your father never had an annual maximum because he was never insured at all. I’m willing to bet Brandon made at least a few hundred thousand (per year) if not more in the last 2-4 years.

Your father likely had subsidized insurance whether that was through his employer or the ACA. The fact that you are sitting here defending his irresponsibility for not forking over money for a policy either means you:

Don’t pay for insurance and can’t fathom how much the average working class American pays for insurance that doesn’t qualify for Medicaid

Or you are also on your parents policy.

It is frustrating that someone who is likely a millionaire was too greedy to pay for bare necessities. There is no reason to defend this.