PLEASE NOTE: The No Surprises Act is a new federal law enacted by Congress in December 2020. As noted in this interactive, some states have laws that have protected some state residents from surprise bills. The No Surprises Act will now protect all consumers with private health insurance— including the more than 163 million people with job-based coverage — from out-of-network surprise bills in certain situations. These new protections go into effect for health plan years that begin on or after January 1, 2022. Key rules implementing the new federal law were issued in July and September 2021.