The ACA mandates the maximum [maximum out-of-pocket] that an insurance plan can require. There's no such thing as good or bad insurance when it comes to extreme medical events. "Good" or "bad" depends on how much of your premium your employer covers and how expensive it is when you only use a little bit of medical services.

The worst-case max out of pocket for any insurance plan in 2020 is:

$8,150 for self-only coverage

$16,300 for family coverage

In America, it is important to have liquid savings to handle life events like losing a job or a serious health issue. We get taxed less, have fewer safety nets, so we need to build our own safety net. You can argue that one way is better than another way as a big picture, but many people misconstrue the individualist vs. collectivist societies as a serious moral issue instead of a choice. Some of the details of each can be serious moral issues, but the big picture is simply a difference in priorities.

Bottom line: If you can come up with $16k/year to cover medical expenses for a serious issue, you won't go bankrupt.