- Many health insurers are gearing up to limit the choices of doctors and hospitals they'll cover. Why? The cost.
- Smaller networks of providers generally translate to lower premiums, because insurers can negotiate discounts with health-care providers who will then have less competition for patients within the network.
- Insurers are betting that consumers who buy plans on the exchanges will be willing to trade some choice and flexibility in order to get cheaper premiums.
- The backlash is that consumers will generally have to pay the cost out of his own pocket if they want to see physicians outside the system.