Some employers put a limit on how much you pay out of pocket, even below the maximum amount of pocket required by the ACA, almost, but not quite comparable to what you get in countries with socialized medicine or health insurance systems. They essentially assure that medical treatment can't bankrupt you.
Obviously, most people in the US don't have access to such a generous plan, or the amount of medical expenses they can tolerate without going into bankruptcy is below the legal out of pocket maximum (6k/yr individual, 12k/yr family). Hence the GoFundMe pages to raise money for medical treatment.
Obviously, most people in the US don't have access to such a generous plan, or the amount of medical expenses they can tolerate without going into bankruptcy is below the legal out of pocket maximum (6k/yr individual, 12k/yr family). Hence the GoFundMe pages to raise money for medical treatment.