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Sorry but you are misinformed about health insurance in the US. All health insurance plans in the US are required to have a yearly out-of-pocket maximum — for example $10k for each individual — so while your healthcare costs can skyrocket to the moon at least you won't be liable for it.

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That's not the whole story, though. Charges that fall outside your policy's coverage are entirely your responsibility. The OOP max refers to services covered by the policy, not 'all health care charges'.

And that's why the US has thousands of medical-caused bankruptcies yearly.

Source: I work for a major insurer/provider on the West Coast.

There is also an individual or plan maximum, beyond which they cover zero.

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