We have a plan for two people. Our state approved, ACA-mandated plan has a deductible of $13,100 - just for two people. Add children to that, and you're quickly much higher. That is NOT catastrophic insurance (on paper, anyway) - it's the Obamacare law that requires (say, in our case) people in their 50's to pay for full maternity insurance, drug treatment and mental health coverage whether we need or want it. There is zero chance of us having a baby now or in the future. Why are we required to buy coverage for that? Because the Democrats decided to charge a tax, and that's how they disguised it.
Our rates have gone up over 50% per year every year since the ACA went into effect. Up 70% for 2017, and government says they expect next year (2018) to see another increase of close to 90% again. That's how they get around the "out of pocket" limits - by hugely increasing the monthly premiums, which are VERY MUCH out of pocket, but which don't get you a dime of actual health care. And no, "preventative care" is not covered. You get things like simple blood tests one a year (for which you pay part of the visit, and the lab costs), but of course no treatment of any kind - preventative or otherwise - is ever included in that. The ONLY thing that would be completely covered without requiring the deductible, is child birth. How's that for hilarious.