which is less than the $13,700 max out-of-pocket under ACA for a family plan. What you don't say is what your deductible is and what percentage of your health care expenses your insurance covers after meeting the deductible. Your post makes it sound like this is employer provided insurance not a plan purchased through the exchange. You don't say what your premium is nor the portion the employer pays for. For example, currently I have an employer sponsored family plan with $3000 deductible $6900 in-network out-of-pocket maximum which covers 80% of costs after the deductible is met. For all that I pay $5400/year and the company pays $10,000. I hit the out-of-pocket maximum every year because my wife has a chronic illness and my daughter has Down Syndrome.
Note that if you have employer provided insurance or your company offers it you can't use the exchange anyway so a public option wouldn't help you. Besides all that, max out of pocket is potential maximum cost liability most people don't come close to spending the max out of pocket in a given year, let alone every year.
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