We have a high-deductible health plan and we pay our medical expenses through a health savings account. This year, even before our baby was born, we reached our deductible — for in-network care. After the deductible, the insurer pays 90 percent of costs. Plus my out-of-pocket max is $5,000, which includes my deductible. So once I hit the deductible (and thus got halfway to my out-of-pocket max), I Iooked in our HSA, saw there was more than $2,500 and thought, “Good, we can afford any health care expenses that might come with a new baby.”

But then my wife reminded me that some of the doctors or specialists who see us at the hospital might not be in network. And we have a totally separate (and higher) deductible for out-of-network care. We’d pay every penny for doctor out-of-network.

My wife called the hospital. The hospital said that some specialists are in network, some are out. Can we request an in-network anesthesiologist? Nope. We get whoever is on duty at the moment the contractions get too painful.