The biggest problem here is this "full cost, because it was out-of-network" nonsense. I don't understand how healthcare networks are legal – they essentially cr

The biggest problem here is this "full cost, because it was out-of-network" nonsense. I don't understand how healthcare networks are legal – they essentially create two separate medical systems, one of might not accept your so-called "insurance" at all. I know that universal coverage is a pipe dream in the US, but making these coverage networks illegal and forcing insurers to cover procedures at the same rate regardless of network would be a good first step. And it should be a bipartisan issue as well, somehow I don't see conservatives clamoring to keep paying higher prices for ambiguously defined "networks".