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.