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This bill increases penalties for group health plans and health insurance issuers that violate balance billing rules under the No Surprises Act, adds new penalties for late or non-payment after an independent dispute resolution (IDR) entity's payment determination, and requires more frequent transparency reports to Congress on audits and enforcement actions.
Sec. 2, Increasing penalties for balance billing violations: The bill raises the civil penalty from $100 per day to $10,000 per failure for violations of specific balance billing provisions under the Public Health Service Act, ERISA, and the Internal Revenue Code. These provisions include requirements related to emergency and non-emergency services, air ambulance services, and patient protections against surprise billing.
Sec. 3, Additional penalties for late payment or non-payment after IDR determination: If a plan, issuer, or nonparticipating provider or facility fails to make a required payment within 30 days after an IDR determination, they must pay the other party an amount equal to three times the difference between the initial payment (or $0 if denied) and the out-of-network rate, minus any cost sharing. Interest also applies on any amount owed. The party must notify the Secretary of the payment date.
Sec. 4, Transparency reporting requirements: The bill changes the reporting schedule for audits and enforcement actions under the No Surprises Act. Instead of an annual report to Congress, the Secretary (in coordination with other departments) must submit a report every six months to specified congressional committees. The report must include the number of audits, complaints, enforcement actions, civil monetary penalties, non-monetary corrective actions, and the three most commonly reported violations.
Summary of the bill text as introduced in House (Jul 23, 2025), generated by SecBot from the official bill text; the Library of Congress summary is not yet published.
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Official record from Congress.gov, the House Clerk and the Senate; lobbying from Lobbying Disclosure Act filings. Updated Oct 27, 2026.