State Laws

Search state statutes and regulations in all 50 states and the District of Columbia to find out what rights you have in your state and what other states are doing to empower physicians and patients in the face of health insurer market power.

State Law

Revised Code of Washington-Title 48-Chapter 48.49-Balance Billing Protection Act

12/19/2024 Washington Sections 48.49.003, 48.49.005, 48.49.010, 48.49.040, 48.49.070, 48.49.080, 48.49.090, 48.49.130, 48.49.135, 48.49.160, and 48.49.170,

Findings—Intent—2019 c 427; Short title; Definitions; Dispute resolution process—Determination of commercially reasonable payment amount; Requirement to provide certain information on website or upon consumer request—Requirement to provide carriers with nonemployed provider lists; Health care provider—Requirement to provide certain information on website or upon consumer request—Requirement to submit network status information to carriers; Carrier—Requirement to update website and provider directory—Requirement to provide enrollee with certain information; Application of chapter to self-funded group health plans that elect to participate in balance billing protection provisions—Annual notice to commissioner; Determining the adequacy of provider networks—Required considerations; Allowed amounts paid to nonparticipating providers; Application of state and federal requirements—Applicability information access—Waivers prohibited

Directories, Network Adequacy, OON-Payment Issues
State Law

Division of Insurance-Code of Colorado Regs-3 CCR 702-4 Series 4-2

07/31/2023 Colorado Regulation 4-2-88

Concerning Gag Clauses in Individual and Group Health Benefit Plans

Anti-gag clause, OON-Payment Issues
State Law

Colorado Rev. Statutes-Title 25-Public Health And Environment-Article 3. Hospitals

07/31/2023 Colorado Section 25-3-121

Health-care facilities – emergency and nonemergency services – required disclosures – balance billing – rules – definitions.

OON-Payment Issues
State Law

Colorado Rev. Statutes-Title 12-Article 30-Part 1. Miscellaneous Provisions Applicable to Health Care Professions and Occupations

07/30/2023 Colorado Section 12-30-112

Health-care providers – required disclosures – balance billing – rules – definitions

OON-Payment Issues
State Law

Maryland Statutes-Article 15. Insurance

08/07/2023 Maryland Section 15-146

Insurance – Conformity With Federal Law – The No Surprises Act and Other
Provisions of the Consolidated Appropriations Act, 2021

OON-Payment Issues
State Law

Texas Admin. Code-Title 28-Part 1-Chapter 21-Subchapter OO. Disclosures by Out-oF-Network Providers

07/23/2023 Texas Sections 21.4901, 21.4902, 21.4903, and 21.4904

Purpose and Applicability, Definitions, Out-of-Network Notice and Disclosure Requirements, Health Benefit Plan Issuer and Administrator Responsibility

OON-Payment Issues
State Law

Code of Colorado Regs-3 CCR 702-4 Series 4-2

12/30/2021 Colorado Section 4-2-79

Concerning the requirements for provider data requests and carrier responses confirming out-of-network payment methodology utilization

OON-Payment Issues
State Law

Ohio Admin. Code-3901. Dept. of Insurance. Chapter 3901-8. Health Insurance

08/17/2023 Ohio Section 3901-8-17

Reimbursement for unanticipated out-of-network care

OON-Payment Issues
State Law

Code of Colorado Regs-3 CCR 702-4 Series 4-2

07/30/2023 Colorado Section 4-2-79

Concerning the requirements for provider data requests and carrier responses confirming out-of-network payment methodology utilization

OON-Payment Issues
Federal Law

Title 45-Public Welfare-Subtitle A-Subchapter B-Part 149. Surprise Billing and Transparency Requirements

11/18/2024 45 CFR Sections 149.10, 149.20, Sections 149.30, 149.110, 149.120, 149.130, 149.140, 149.150, 149.410, 149.420, 149.430, 149.440, 149.450, 149.510, and 149.520

Basis and scope; Applicability; Definitions; Preventing surprise medical bills for emergency services; Preventing surprise medical bills for non-emergency services performed by nonparticipating providers at certain participating facilities; Preventing surprise medical bills for air ambulance services; Methodology for calculating qualifying payment amount; Complaints process for surprise medical bills regarding group health plans and group and individual health insurance coverage; Balance billing in cases of emergency services; Balance billing in cases of non-emergency services performed by nonparticipating providers at certain participating health care facilities; Provider and facility disclosure requirements regarding patient protections against balance billing; Balance billing in cases of air ambulance services; Complaint process for balance billing regarding providers and facilities; Independent dispute resolution process; Independent dispute resolution process for air ambulance services.

OON-Payment Issues, Prompt Payment Deadlines