Health insurers participating on the health insurance marketplaces must provide consumers shopping for coverage with a directory of their in-network providers. However, these lists can quickly become out-of-date and may not contain the most current and accurate list of participating providers. Furthermore, you can incur significantly higher out-of-pocket costs if you obtain services outside your plan’s network. Therefore, if you have a provider that you want to keep seeing, you should contact the provider and confirm that they participate in the plans you’re considering. (45 C.F.R. § 156.230(b)).