here is a more detailed article about the rules: link https://www.lexology.com/library/detail.aspx?g=86e6dff2-1d08-41f2-afdc-3ea15356c4c8
at first glance it does not look bad at all. it's pretty hard to be put on copayment, and major and critical illnesses are exempt. the way I understand it if you only use your insurance for really serious stuff for example heart attack, stroke etc. then you won't be affected.
If you are someone who spend 3 days in the hospital every time you have diarrhea then you will have pay a copay 🙂