> Only caveat is the limits only apply to in network providers (providers that have made a deal with the insurance company), so if you're on a trip and an emergency happens and you end up in a hospital that's not in network, then you're on your own.

Actually, out-of-network emergency care is an 'essential benefit' under the ACA, so most plans do cover this scenario.

I actually just screwed myself with this recently. I went to an urgent care while traveling (because that is usually cheaper when I'm at home) and it wasn't covered. An urgent care apparently doesn't count as emergency care. It turns out that I should have gone to the (typically very expensive) ER instead -- it would have been covered 100% because of the ACA!