The Trump administration is planning to allow for health plans without a list of in-network doctors and hospitals in the Affordable Care Act (ACA) next year. This move could stimulate innovation in health care pricing, but could also cause surprise bills and destabilize ACA markets. The proposal comes amid increased competition in the ACA marketplace, with increased premium subsidies and the promotion of high-deductible Obamacare plans. Non-network plans require patients and doctors to perform additional work, potentially leading to more surprise medical bills. However, a final decision on these plans will come later this spring.