Enhanced Enforcement of Health Coverage Act

This bill increases penalties for group health plans and health insurance issuers that violate balance billing requirements, raising fines from $100 to $10,000 per violation for specific provisions. It also imposes new penalties for late payment or non-payment after an Independent Dispute Resolution (IDR) determination, requiring plans to pay three times the difference between the initial payment and the out-of-network rate, plus interest. The bill mandates transparency reporting where the Secretary must annually report on audits conducted, enforcement actions taken, and civil penalties issued. These provisions apply to both standard health coverage and air ambulance services, aiming to strengthen enforcement of balance billing rules.