Out of pocket maximums and limits (or aggregate limits) are two different concepts. Once the insurance plan's limit has been reached, it doesn't matter how much

Out of pocket maximums and limits (or aggregate limits) are two different concepts. Once the insurance plan's limit has been reached, it doesn't matter how much you've paid out of pocket. The ACA does prohibit these limits for certain "essential health benefits", but there's a lot of wiggle room that insurance providers will take advantage of.