Insurance, Health, Accident - As introduced, prohibits an out-of-network ambulance service provider from balance billing an enrollee in a health benefit plan for emergency ambulance services; establishes allowable billable costs for such services. - Amends TCA Title 56, Chapter 7 and Title 68, Chapter 140.

HB 1061 prohibits out-of-network ambulance providers from charging patients extra fees (balance billing) for emergency ambulance services covered under their health insurance plan. It directly affects patients using emergency ambulance services who are enrolled in health benefit plans, ensuring they pay no more than the lesser of their in-network copay, the ambulance bill, or 325% of the Medicare rate for similar services in their area. The bill requires health insurers to count patient payments toward their deductibles and out-of-pocket limits, and bans providers from asking patients to waive these protections. The law takes effect July 1, 2025, for health plans issued or renewed on or after that date.