Imagine buying a plane ticket, but the fare only covers your seat, the fuel, the gate attendant, and the peanuts. You have to pay the pilot separately. You are sitting on the plane and, unbeknownst to you, the pilot scheduled to fly your plane is delayed and a pilot from another airline takes over. Because that pilot costs more than the regular pilot, you now have to pay an extra $500. And you only find out weeks later when you get the bill.
It sounds like a preposterous scenario. Yet this is the absurd reality in health care and the epidemic of surprise medical bills.