People don't decide to have heart attacks or get hit by cars outside of a hospital that's in their network. Surviving heart attacks can cost half a million to over a million dollars if care was received out of network. Disability can easily costs millions over a lifetime, too. Price transparency won't suddenly make that affordable.

That’s the point of insurance. If your house burns down and you incur huge expenses. Insurance kicks in.

Insurance doesn't kick in when you're out of network.