Can I see any doctor I want to?

Well you can if you want, but you generally just pay out of pocket if that physician is out of network on your plan. With any plan, you want to stay in the network of the policy that you have. A few individual health insurance plans may have out-of-network benefits, but most do not, and you will just pay whatever the doctor charges; there will not be a copay. You’ll be best off by just choosing your doctors, hospitals, and urgent care practitioners from the network directory of your chosen health policy.