If you voluntarily go out of network for non-emergency care, then yes, you pay a ton. If you have an emergency and go to an out of network ER, that is still co

If you voluntarily go out of network for non-emergency care, then yes, you pay a ton. If you have an emergency and go to an out of network ER, that is still covered (at least for plans purchased on CoveredCA) because of provisions in the Affordable Care Act. The billing may be a logistical challenge, but it should not bankrupt you!