"No surprises" apparently may have some surprises: https://www.npr.org/sections/health-shots/2023/02/28/1159786893/a-surprise-billing-law-loophole-her-pregnancy

"No surprises" apparently may have some surprises: https://www.npr.org/sections/health-shots/2023/02/28/1159786893/a-surprise-billing-law-loophole-her-pregnancy-led-to-a-six-figure-hospital-bill https://www.npr.org/sections/health-shots/2023/02/28/1159786... Insurer tries to get away with: the provider is not in network, but not strictly out of network (because they know that would be covered by the law), so they call them "participating", a 50% coinsurance applies and patient owes 121K. (Resolved in patient's favor after state government got involved and media coverage about it).