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The No Surprises Act protects people covered under group and individual health plans from receiving surprise medical bills when they receive (1) emergency services, (2) non-emergency services from out-of-network providers at in-network facilities, and (3) services from out-of-network air ambulance service providers. 

  • When you receive emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing. Visit to learn more.

The law also requires health plans to share information on processes which can affect your health care coverage costs. 

  • GHP pays agent or brokers for enrolling members into individual plans. The No Surprises Act requires GHP to disclose agent or broker compensation.  GHP's agent or broker compensation schedule for individual plans is available at