Even if you have good health insurance, hospitals "in your network" have a scam whereby doctors not in your network treat you -- and you're on the hook for megabucks.

It should be flatly illegal to do this.

https://www.npr.org/sections/health-shots/2023/01/30/1151778684/a-baby-spent-36-days-at-an-in-network-hospital-why-did-her-parents-get-a-huge-bi

@dangillmor Texas state law prohibits this for plans that are vetted by the Texas Department of Insurance. Federal law applies more recently, too:

https://www.texmed.org/surprise/

If you work for an out-of-state company remotely, as I do, not so much.