Georgetown University.
J Health Polit Policy Law. 2022 Feb 1;47(1):93-109. doi: 10.1215/03616878-9417470.
The No Surprises Act, passed by Congress at the end of 2020, offers significant protections to most Americans with private health insurance. Insured Americans are vulnerable to receiving surprise medical bills when they receive services from out-of-network providers. Protections for consumers against such bills initially emerged in several states that passed laws. The varying approaches taken in different state laws ultimately offered a foundation for federal legislation. Although there was always a broad consensus among stakeholders for protecting consumers during both state and federal deliberations, it was a challenge to identify a means of determining the amount that an insurer should pay to the out-of-network provider. But Congress eventually reached a compromise that became law, and that law goes into effect in January 2022.
2020 年底，美国国会通过了《无意外法案》，为大多数拥有私人医疗保险的美国人提供了重要保护。当美国人接受网络外提供商的服务时，他们容易收到意外医疗账单。最初，几个州通过法律为消费者提供了针对此类账单的保护措施。不同州法律采取的不同方法最终为联邦立法奠定了基础。尽管在州和联邦审议期间，利益相关者之间始终存在保护消费者的广泛共识，但确定保险公司应向网络外提供商支付多少费用的方法是一个挑战。但国会最终达成妥协并成为法律，该法律于 2022 年 1 月生效。
