What does it mean to say 51% of exchange veterans don't plan to return for round two?

[Maraya1969]

3. There a maximum "out of pocket" spending limit for the insured that is $5,000

So how can you hit that limit and then be responsible for the first $7,000?


I checked another one that said it had a $7,000 and at the bottom notes it says:

HII-HealtheMed
HealtheMed STM 6 Months
Plan Brochure
MONTHLY PRICE
$285.55
Copay N/A
Deductible $7,500
Family Deductible $22,500
Coinsurance 50%
Coinsurance Limit $5,000
Network
Emergency Room 50% after deductible; Extra $250 deductible applies for Sickness visits if not admitted
And then it said this:

"Out of Pocket Maximum Individual: $5000; Family: $5000"

I think I remember someone explaining how this happens. The $7,000 could be for the year and divided by 12 to get each month's deductible.

But that still does not explain why there is an out of pocket maximum of $5,000