Healthcare (Insurance)

SB 1376 prevents out-of-network ambulance providers from balance billing patients for emergency ambulance services covered under their health insurance plan. It caps patient payments at the lesser of their plan's in-network cost-sharing amount, the ambulance provider's full bill, or 325% of the federal Medicare rate for similar services in the area. Health insurers must count any payment made by the patient toward their deductible and out-of-pocket maximum. The law applies to health benefit plans issued or renewed on or after July 1, 2025.