That's a good point, I may have overstated the issue. However, from what I understand it is not too difficult to find oneself being treated by somebody outside

That's a good point, I may have overstated the issue. However, from what I understand it is not too difficult to find oneself being treated by somebody outside of their insurance network. This could easily lead to a bankruptcy. Furthermore, many do not feel comfortable or confident navigating these byzantine insurance landscapes. This leads to people avoiding medical care regardless of insurance status.