INSURANCE – Adds to existing law to establish the Emergency Care Affordability Act.

Idaho's S 1319, the Emergency Care Affordability Act, protects patients from surprise bills by requiring out-of-network freestanding emergency rooms to accept the in-network rate as full payment for emergency services. It prohibits these facilities from billing patients for costs exceeding the in-network rate (known as "balance billing") and mandates that health insurance plans pay providers directly for emergency care at the in-network rate, including covering the patient's cost-sharing. The law applies specifically to emergency services provided in freestanding emergency rooms (like standalone facilities not attached to hospitals) and covers all health benefit plans, including self-funded plans. This ensures patients receive emergency care without facing unexpected high costs from out-of-network providers.