A recent New York Times article http://www.nytimes.com * noted “Restricting consumers to a fixed network of doctors and hospitals, called in-network coverage, helps keep costs down, and for the first year, none of the 16 insurance companies in New York’s exchange deviated from that model.” “Advocates for consumers had lobbied hard for out-of-network coverage, saying that some patients needed more choices, particularly since the networks are being kept small to further reduce costs. Under the current in-network system, someone who lives part of the year out of state, or a student at a college out of state, are not covered while they are away, except for emergency care.”
* to read the full NYTs story “New York Will Keep Affordable Care Act Heath Plans Restricted” by Anemona Hartocollis, highlight and click on open hyperlink http://www.nytimes.com/2014/04/26/nyregion/new-york-will-keep-affordable-care-act-health-plans-restricted.html?_r=0