I cannot find any type of supplement that would cover you if you exceeded the $250.000 limit. I have checked all the government plans (Obama care) and you could only enroll for a new plan which no one could even come close to offer what we have under the retirement RU plan although they all had one thing in common, no yearly annual limit cap. I checked Aflac to see what they offered and nothing they have is structured to only cover the annual limit. I also looked into catastrophic insurance coverage and that is for people under 30 years old who cannot afford health insurance. I did learn that the health care system is such a scam. When looking into insurance plans you will talk to many different people that will eventually lead to many licensed agents that will call you like a car salesman trying to sell you a plan. For the life of me I cannot understand why the laws were changed in 2014 to ban all annual dollar limits on all job related plans and individual plans but not a retiree plan and what is even worse is that it seems you cannot purchase a supplement to cover your self if you were to exceed the annual dollar limit. Sad to say that the choice is gamble and wait until your 65 years of age and hope that nothing catastrophic happens or purchase a more expensive plan from the Affordable care act websites or continue working until at least 65 years of age under a employee based plan.