For any ACA compliant plan, the max per person OOP Max for
in-network services can be no more than $9,450 in 2024. This, of course, is in addition to the premium cost.
An even lower OOP Max will apply to an HSA compliant ACA plan.
Here is a reference
https://www.cigna.com/employers/insights/informed-on-reform/cost-sharing
I learned this when DW had serious brain surgery a few years ago and I was expecting a large OOP contribution. NOPE! I think it was limited to about $7,500 at the time. ( I think the family OOP max was $15,000 which I expected to pay, but the per person limit applies -- even in family plans).
p.s. I purposely purchase insurance from the largest legacy PPO insurer in my area to ensure a broad network and very favorable negotiated "in-network" rates.