I think those numbers could be right. I’ve been reading visitor posts on insurance company Facebook pages for the past 6 months and have seen other comments re diabetic drugs and supplies. And out of pocket is not limited out of network. In my state, my out-of-network deductible is $15,000, then insurance pays 50%, no limit. I was hit with unexpected out-of-network lab bills last year. My in network deductible in $3,500. At age 61 my premium is $822/mo for a gold plan and I just miss getting a subsidy. The network for the individual market has been severely cut and many are finding that there are some specialists either missing from the network or who are far away. Some receiving specialized care, such as chemo, had to change docs as of Jan 1 — the insurance gave them only a 3 month transition. Leave the top cancer specialists in the city, or stay where you are getting the best care in the area and pay the $15k out-of network. Many states haven’t passed network adequacy laws yet.