You're describing the way things work in most of the US right now, except that if my doctor doesn't take my insurance I no longer have the option to see them an

You're describing the way things work in most of the US right now, except that if my doctor doesn't take my insurance I no longer have the option to see them anyway. In the case of surprise bills from hospitals this is a big improvement, but in the normal case of "my work gives me Cigna but my long-term doctor I'm very attached to doesn't take Cigna" it means people can't stick with their doctor.