The COVID-19 pandemic illustrates the need for health care reform, specifically around health insurance plans’ discretion on network coverage. The current problem with costs of health care deviate from the specific plan type offered or chosen by the patient consumer. Whether it is Medicare, Medicaid, employer-provided or from the Patient Protection and Affordable Care marketplace, it gives too much power to the carrier or agency to decide where the patient consumer uses that coverage.Imagine a world where there are no in-network/out-of-network stipulations to health care coverage.