Even though they're actually paying for access to thousands of medical providers across the country, most insured Americans stick to the neighborhood—and they're not all that loyal to their doctors, either. 

According to a survey from Create and Brighton Health Plan Solutions, one-size-fits-all health plans  just aren't cutting it for most people. In fact, the report finds that despite having access to national networks of medical providers, 71 percent of insured have not used a doctor in another state in the past year and 55 percent are willing to travel only 30 minutes or less to visit their doctor.

In addition to staying within their own states, only 34 percent have received care from more than one health system, a network of affiliated providers. The advantage to sticking within a single system and consistently receiving care from an integrated set of doctors, the report says, results in more personalized, higher-quality care, since patient health information can easily be shared between providers within that system. But traditional carriers aren't doing a good job of helping people build long-term, loyal relationships with their doctors.