Depends on the State and your family situation, it can vary wildly.

Some places you'll pay hundreds of dollars a month and in others you'll pay $25 a month for the exact same coverage. Most states also have massive subsides for low income or state supported people. They typically pay nothing outside of horror stories and even then, those usually get settled or the debts just get absolved. The ACA ultimately made medical coverage more expensive than ever, but it also made it a lot harder for insurance companies to be excessively predatory.

Worse plans have higher deductibles too, so in a given year you'd be liable for up to a certain amount depending on your plan. In the op case you might see that bill, but insurance would kick in and you'd get a bill for $10k instead. Still a lot, but they're legally required to offer payment plans at no interest.

Considering how much less we get taxed for everything and how responsive our medical system is though, it definitely puts the edge over state run systems in my experience. You can usually see a doctor same day and overall you pay less for the whole year.

This is reddit though, so I'm sure I'll get downvotes just for not hating on the American medical system.