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%.