Coinsurance is paid only until the out of pocket maximum is met, no? I have a plan on the state exchange for around $300/month and an out of pocket max around

Coinsurance is paid only until the out of pocket maximum is met, no? I have a plan on the state exchange for around $300/month and an out of pocket max around $8k (I'm 34 years old). I just budget $12k/year for healthcare and move on. This seems reasonable for people who can afford to take the risk of potentially having to pay anywhere from $4-12k/year.