re: #4 Dark_Falcon

What’s really shocking is this part:

I’m pretty sure that the costs charged weren’t the one’s really incurred, but were instead just put out there as things to be bargained down from by insurance companies. But when this sort of coverage failure happens, normal people can just plain get chewed up by it.

How about a narrow fix? Not every problem should be addressed in all its variety.

“No one is responsible for the excess cost of care over and above what they’d have incurred in-network if they ended up out of network through no decision or fault of their own.” Of course, this would have to be fleshed out with solid, weasel proof boilerplate.

Let the respective insurances sort it out from there.