Out-of-pocket maximums include deductibles as well as co-pays and co-insurance, but not premiums or cost-sharing when you get care out of network. Maximums for private plans are often lower than $6,600—sometimes by a lot—they just can't be higher.  Christian and Jaycee Garcia of Silver Spring, Md., have been hard hit by medical bills, even with their out-of-pocket maximum of $6,350 a year for each family member. Their 20-month-old son, CJ, was born with the rare genetic disorder Eagle Barrett Syndrome and severe scoliosis. He will have his 13th surgery in August, with two more to follow in September, all to rebuild his digestive system and urinary tract and to insert metal rods next to his spine so he can sit up without a brace.  Read MoreObamacare prices kept in check in 2015: HHS  Although Christian Garcia earns $60,000 a year as a restaurant manager, the more than $700 monthly insurance premiums for his work plan and another privately purchased plan for his wife and kids plus other monthly bills make paying the family's share of the hospital bills impossible. The couple have $11,000 in medical bills they are paying $270 a month on, and bills from two other hospitals have gone to collections. Monthly expenses, including the payment on his medical bills, are about equal to his take-home pay of about $3,000 a month.  They have sold their wedding rings and moved out of their apartment into Christian's stepfather's home, where they pay $500 a month for rent and share a bedroom with CJ and their baby, Jeremiah, who is 5 months old.
Despite a $6,600 per-person, per-year cap on out-of-pocket health costs, Obamacare might not be doing enough, reports USA Today.