Surprise billing comes up whenever a consumer receives an unexpected medical bill for out-of-data pipe care.

Unfortunately, it has happened too often.

As of January 1, 2022, that laws effective date, 33 states have enacted a surprise-billing laws.

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Officials could find the implementation of the No Surprises Act and state surprise-billing laws complicated.

The Federal No Surprises Act

The law protects the majority of consumers with private health insurance.

It also requires insurers and providers to share information about these protections with consumers.

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A second rule identified plans to operationalize the dispute resolution process between insurers and providers.

That decision is now pending appeal.

Image coming soon

Older man sitting down with a headache

Health care provider and patient

Mature couple working on family finances at home together. They pay bills, complete income taxes, apply for home loan, investing, or pay off a credit card.

![The mid adult female doctor and her senior adult male patient discuss the home healthcare options listed in the brochure.](https://cdn.aarp.net/content/dam/aarpe/en/home/pri/topics/health/coverage-access/unexpected-health-care-bills-no-surprises-act/_jcr_content/root/container_main/container_body_main/container_body1/container_body_cf/container_additional_1/container_2123475527/featuredlist/tabItem/eliminating-access-no-cost-preventive-health-services-affect-older-adults5.coreimg.75.932.jpeg/content/dam/aarp/ppi/topics/health/coverage-access/no-cost preventive-health-services-report.jpg)