I’ve never had that issue, or even heard of that issue, but I’ve only bought insurance from relatively large insurance companies, maybe it’s an issue if you try to save money by going with a small one with no network.
I've had good and bad experiences. One thing I learned the hard way is that even as a young person with low healthcare costs, it's a very bad idea to just choose the cheapest plan without doing any research.
Some of the low cost companies are essentially scams: most of the "providers" they list on their site will not actually accept the plan; if you do have any medical costs, they will do everything possible to avoid paying even when you are clearly covered; you'll wait for hours on hold to talk to support, then they will be rude and unhelpful; etc. etc.
It's well worth paying an extra hundred or so per month for a reputable provider so that you at least have actual functional health insurance.
