AN ACT relating to surprise billing. Amend KRS 304.17A-005 to define "balance billing," "cost sharing," "emergency health care services," "emergency medical condition," "health care service," "insured, maximum allowable cost," and "usual and customary rate"; create a new section of Subtitle 17A of KRS Chapter 304 to require the commissioner of insurance to collect information from insurers regarding billed charges, and either to select a nonprofit to distribute the information to or to publish the information annually on its Web site; create a new section of Subtitle 17A of KRS Chapter 304 to define unanticipated out-of-network care, and to require an insurer to reimburse for unanticipated out-of-network care at the usual and customary rate for the service; prohibit any lower reimbursement; prohibit balance billing from a provider who has been reimbursed in accordance with this section; allow a provider to bill for any applicable cost-sharing requirements owed by the insured; amend KRS 304.17A-096, 304.17A-430, 304.17B-001, 304.17B-015, 304.17B-033, 304.17C-010, 304.18-114, 304.38A-010, and 304.39-241 to conform; EFFECTIVE January 1, 2019.