[foldr]

>Most employer sponsored healthcare plans in the US have a maximum out of pocket the patient can be charged per year.

Yeah, but that's irrelevant if you have to use an out of network provider in an emergency situation, or if you need a treatment that your insurance provider refuses to cover.

[AstralStorm]

The lack of global insurance policy for actual emergencies is a crime of this insurance system you have in the US.

This is where the government is supposed to step in. Nobody is in any position to predict where they will be taken for emergency care, and copays for random amounts is essentially ransom.