The out of pocket maximum also applies to non-grandfathered group insurance plans. There were some plans allowed to be grandfathered, so the plans wouldn't terminate as non-compliant, but in practice the vast majority of plans terminate every year, and essentially everyone with health insurance now has an $8,500 per individual annual out of pocket maximum. I'm sure if you look at your own insurance, you'll find $8,500 or less.
It's true this cap only applies to in-network, approved care. But that's the same under any health plan, whether universal, or not. For instance, Sovaldi and Harvoni are curative for hepatitis C, but it costs $50,000 for a 12-week course of treatment in the UK. There are 210,000 people with hepatitis in the UK, but the NHS only furnishes 10,000 courses of treatment per year. If you're not approved, you can't get it from the NHS, but you're free to buy it yourself, of course.
It's true this cap only applies to in-network, approved care. But that's the same under any health plan, whether universal, or not. For instance, Sovaldi and Harvoni are curative for hepatitis C, but it costs $50,000 for a 12-week course of treatment in the UK. There are 210,000 people with hepatitis in the UK, but the NHS only furnishes 10,000 courses of treatment per year. If you're not approved, you can't get it from the NHS, but you're free to buy it yourself, of course.