The situation you're referring to applies to the 11-12% of Americans who have no health insurance. An unfortunate situation that the US should work to rectify (ideally with a universal option), but hardly the third-world situation most Europeans envision.
Max annual out of pocket includes copays, do you don't need to cover both separately, but 1000-4500 is not the range of out of pocket maximums. The limit for a bronze marketplace plan is $7,300 for an individual plan or $14,600 for a family plan; the average for bronze marketplace plans is about for $12,000 for a family plan. And that's for things the plan covers; there's obviously no maximum for services excluded from coverage.
I pay nearly $400 a month and my annual max out of pocket is $7,350 with $7,000 deductible.
Disconnected from reality of what it really costs middle class American's for plans out of pocket.
Sure, your actual personal plan maximum depends on your plan.
The range of maximums that characterizes healthcare plans in the US, however, does not depend on your plan, and it definitely does not top out at $4500/yr for even an individual plan.
Edit: Also weird that you seemed to first imply that the U.S system wasn't great
That doesn't seem to be true across a range of indicators.
https://twitter.com/SimoneGiertz/status/990983271705018368
I guess she has a health insurance as part of her employment at Adam Savage's Tested.com.
Having a Swedish citizenship, she also has the option to travel back to Sweden, sign a form and within a day or so be eligle for free healthcare there.
I have never had to sign a form to get healthcare here.
At the same time this absolutely terrifies me and shows how fragile life is. Thankfully Simone is in Sweden so she does not have to worry about the financial impact (she has enough to worry about). I am self employed here in the US and pay for my insurance plan 100% out of pocket (don't qualify for any subsidies). The plan is frankly god-awful with something like an annual max out of pocket of $10,000 and $7,000 deductible. A cancer diagnosis would financially ruin me even though I pay nearly $400 a month in health insurance premiums. If I was diagnosed with cancer, the last thing I should have to worry about is how I am going to pay for it (especially seeing as I pay more than my fair share). The reality is I have way more of financial burden even though I am paying full price than somebody who get's their plan subsidized from Obama Care. They pay significantly less (sometimes nothing), yet have better care than me.
I can truthful say, I would fear the financial impact more than the cancer which is a scary reality.