(MN) Medica insurance has no in-network option for ACL surgery and zero out-of-network coverage

My wife and I are on a Medica plan through the marketplace. After a freak ski accident last weekend, my wife needs ACL/MCL surgery. We're in Duluth and our plan has zero in-network options for this surgery and zero out-of-network coverage (meaning no out-of-network max). So we're paying \~$1,000/month for our health insurance that offers nothing. The especially frustrating part is that it seems to be this particular injury — if she had cancer, for instance, we'd be okay. And of course there's no way to search every possibly injury when deciding on an insurance plan. I'm wondering if anyone else has gone through something similar and if we have any possible option besides paying astronomically out of pocket. Really appreciate any advice or tips.