To the best of my knowledge, that’s all covered by the “No Surprises Act” that was part of the Consolidated Appropriations Act, 2021 passed during Trump’s first lame duck period to give more COVID stimulus.

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If you’re on a plan that qualifies for the ACA (basically any real health insurance plan), your out of pocket max per year is capped at $9,200 this year.

Delayed vaccination was an anti vax talking point awhile back: Somehow parents were convinced by morons on the internet that you had to space vaccines out more. Basically once you start questioning the actual science, the more susceptible you are to just never actually finish the vaccine series, so antivaxxers win.

https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2882604/

Intentionally delayed vaccine doses are not uncommon. Children whose parents delay vaccinations may be at increased risk of not receiving all recommended vaccine doses by 19 months of age and are more vulnerable to vaccine-preventable diseases. Providers should consider strategies such as educational materials that address parents’ vaccine safety and efficacy concerns to encourage timely vaccination.