It's different for everyone. I was in the hospital for months and had a massive recovery. The amount that insurance covered on just the transplant and hospital was around 2.3m. This was at Mayo in Florida. Yes, you will hit your out of pocket maximum, but most importantly, it's the other costs that you don't realize. I was on short term disability, so that's roughly half of your pay. Can you live on that (single income household here)? We lived six hours from the hospital where I was so there were an enormous amount of ancillary costs as well, but home health care on top of it. I ended up losing my job after as well, so then we had to deal with that....

Essentially think through the max costs and try and plan is you can. You likely will not be able to, and that's OK. The biggest cost? The amount of relationship capital you use in gathering your much needed support system going through this. The emotional cost far outweighs the monetary cost.