To be fair yes, monthly premiums for the plans I was referencing were between 1.7k and 2.3k, with them tending to be right above 1.8, so that definitely is a factor here

Everything you’re explaining about the deductible, premiums and out-of-pocket maximum is correct, the only thing I’ll say is the numbers you’re quoting seem pretty high. I work for a company that explains benefits to employees for different US companies, and the majority of plans have an OOP max of around 8k (for families ie employee, spouse and at lease 1 child) with everything being lower for less people. Most plans we work with have a family deductible of around 4k with everything being covered after 8k. Could be explained by working for a shittier company, or living in a higher cost of living area, just wanted to throw in my 2 cents that what you’re describing is definitely on the costlier end of the spectrum.