The California hospital lobby has defeated a bill in the state capitol, Sacramento, that would ban hospitals from inserting “gag clauses” into their contracts with insurers. Justin Sullivan/Getty Images hide caption

itoggle caption Justin Sullivan/Getty Images

Opting for a "high-performance" network might take some of the bite out of higher premiums and out-of-pocket costs. Scott Hales/ hide caption

itoggle caption Scott Hales/