Most of my doctors are in-network but not all. Can I get care out-of-network?

If you see a provider that is not included in your plan’s contracted network of providers (i.e., “out-of-network”), depending on your plan that care may or may not be covered. Either way, you are likely to pay more for out-of-network services. Also, the Affordable Care Act's limit on your annual out-of-pocket costs applies only to services received in-network. Any care you get outside your plan’s network will not apply to the limit set in law (in 2021, $8,700 for individuals, $17,400 for families) and may not have any limit at all. (FAQs About Affordable Care Act Implementation Part 46, June 4, 2021).