Yes, you may have to pay more out of pocket for services from providers who are out-of-network. However, depending on the state that you are in, your new health plan may be required or encouraged to allow you to see your provider at in-network cost-sharing rates through your course of treatment. Check with your health plan or state department of insurance to see if this protection applies to you. (45 C.F.R. § 156.230; CMS, 2018 Letter to Issuers in the Federally-facilitated Marketplaces, Dec. 16, 2016).