Let’s say you have an illness that requires specialized care at an elite facility. Do you have those types of hospitals in your health care network?
If not, additional out‐of‐pocket charges could be in the thousands (or tens of thousands) of dollars. And, you would not be able to switch insurers.
It’s always tempting to buy coverage simply based on the lowest premium.
But, like anything else, sometimes you get what you pay for.