> out-of-pocket max > yes, for international folks, people in the US That's not the end of it. There's an "in network" deductible and "out of network" (OON) d

> out-of-pocket max > yes, for international folks, people in the US That's not the end of it. There's an "in network" deductible and "out of network" (OON) deductible. Depending on the health plan you have and the state you live in, the hospitals can also "balance bill" if they are OON. When giving birth, parents in the U.S. is very much expected to ask everyone involved, I repeat, everyone involved that they are not OON. It's insane.