No Surprises Act Enforcement Act

HR 4710, the No Surprises Act Enforcement Act, increases penalties for health insurance plans and issuers that violate balance billing protections, which prevent surprise medical bills. The bill raises fines from $100 to $10,000 per violation for specific balance billing rule violations and adds a new penalty of three times the difference between initial payment and out-of-network rates for late payments after Independent Dispute Resolution decisions. It requires health plans and nonparticipating providers to make timely payments within 30 days of a payment determination, with interest accruing on late payments. The bill also establishes new transparency reporting requirements for the Secretary to submit regular reports to Congress about audits, enforcement actions, and penalties. These provisions directly affect health insurance issuers, group health plans, and nonparticipating healthcare providers.