> There is no legal way for a deductible to be that high

That's the theory. As I noted in https://news.ycombinator.com/item?id=13393287 experiment suggests otherwise for the out-of-pocket limit, at least....

If you click details and click through to the provider summary:

https://content.carefirst.com/sbc/APHMMN5DRXCMMN5MN012017.pd...

The explanation is "it's a typo".

Medical and Prescription Drug combined: $6,550 individual/$13,100 family for In-Network Providers; $13,100 individual/$26,200 family for Out-of-Network Providers.

Ah, that explains it. Thank you.

$26,200 is a typo? or correct? Awful close to my approximation of $30k.

It's not all that close. It's also an out of network, out of pocket maximum, not a deductible.

Eliminating networks is certainly something the US should do if it wants to do more than pretend that people have good access to healthcare.

When you're undergoing short-notice heart surgery (trust me), it's very easy to rack up out-of-network costs fast.

All emergency services are considered in-network billing though?

Emergency services can't have higher copays or coinsurance for in-network vs out-of-network.

But the out-of-network deductible can still apply, as far as I can tell. So can the out-of-network out-of-pocket maximum.

What was your out-of-network out of pocket maximum before ACA?

You've also confused deductible with out of pocket in your original post, on top of rounding up by 15%.