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Be careful because there are two many out of pocket amounts. One for in network and one for our of network. Most ACA plans that I can get in my state do not hav
by imacomputertoo 3y ago
Be careful because there are two many out of pocket amounts. One for in network and one for our of network. Most ACA plans that I can get in my state do not have an out of network max. That's a huge risk because most hospitals have out of network contractors. That means if you stay in a hospital that is in network, you'll still get billed separately for out of network care. And half the hospital staff might be out of network. So you can still go bankrupt in an in network hospital. The ACA really didn't do much to protect people from bankruptcy.
- ceejayoz 3y agoThankfully, my state (NY) forbids that little loophole. https://www.dfs.ny.gov/consumers/health_insurance/surprise_medical_bills https://www.dfs.ny.gov/consumers/health_insurance/surprise_m... If the hospital is in-network, you're good.