Out-of-network coverage in New York? We left it up to the insurers
In most of New York State, it doesn’t matter what “metal level” you choose: you can’t get an individual or family health insurance plan on the state’s exchange that provides coverage for out-of-network physician care. How did the exchange come to be designed without a requirement of such coverage? That’s what the insurers chose. And some advocates for better health care are concerned.