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Comment: What state is that?

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In reply to comment: I used the calculator for my state (see in situ)

What state is that?

If you don't mind saying, what state is that? I've been trying various numbers in the calculators for several states, and haven't seen anything close to a $19,000 deductible even for the catastrophic insurance that a few people qualify for (and that would be my first choice if they'd let me buy it). I've only seen the o-o-p max at $12,700 a few times, in California, and I thought that was a max imposed by the legislation.