[heavyset_go]

People don't decide to have heart attacks or get hit by cars outside of a hospital that's in their network. Surviving heart attacks can cost half a million to over a million dollars if care was received out of network. Disability can easily costs millions over a lifetime, too. Price transparency won't suddenly make that affordable.

[bushbaba]

That’s the point of insurance. If your house burns down and you incur huge expenses. Insurance kicks in.

[heavyset_go]

Insurance doesn't kick in when you're out of network.