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The No Surprises Act protects people from unexpected medical bills

Learn more about the protections that apply to you

If you use health insurance

The No Surprises Act protects you from unexpected out-of-network medical bills for emergency room visits.

If you don’t use health insurance

Usually, providers must give you a good faith estimate of how much your health care will cost if you request one or schedule services at least 3 business days in advance.

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What is the No Surprises Act?


The No Surprises Act is a federal law that went into effect on January 1, 2022.


It applies to most types of health insurance, and protects you from unexpected out-of-network medical bills from:


Usually, if you don't have or use health insurance, providers must give you a good faith estimate of what your care will cost. You get the estimate when you schedule care in advance or if you ask for one. You may be able to dispute your bill if it’s at least $400 more than the estimate.

You can submit a complaint if you believe that your facility, provider, or insurer isn't following these rules.




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No Surprises Act resources for providers and insurers


A stethoscope


Learn more about provider requirements and resources.

A health insurance card

Insurance plans and issuers

Read requirements and resources for health insurance plans and issuers.

Page Last Modified:
01/24/2024 01:29 PM