No Surprises Act Enforcement Act
Sponsored By: Representative Murphy
Introduced
Summary
Would strengthen enforcement of the No Surprises Act by imposing stiffer penalties and faster payment rules to stop illegal balance billing. It pairs new $10,000 per-failure fines with triple penalties and interest when required payments from independent dispute resolution are late or unpaid, and it creates regular audit reporting to Congress.
Show full summary
- Families and patients would get firmer protection when bills go out of network. IDR-determined payments must be settled within 30 days and missed payments can trigger a penalty equal to three times the unpaid difference plus interest.
- Nonparticipating providers and facilities would face tougher financial exposure. Covered violations could carry a new $10,000 penalty per failure and penalties apply per affected item or service if IDR payments are not made.
- Health plans, issuers, and employers would see matching penalty authority added across the Public Health Service Act, ERISA, and the tax code and would fall under enhanced transparency rules that require reports to Congress every 6 months on audits, complaints, enforcement actions, and total penalties.
Your PRIA Score
Personalized for You
How does this bill affect your finances?
Sign up for a PRIA Policy Scan to see your personalized alignment score for this bill and every other piece of legislation we track. We analyze your financial profile against policy provisions to show you exactly what matters to your wallet.
Bill Overview
Analyzed Economic Effects
2 provisions identified: 2 benefits, 0 costs, 0 mixed.
30-day payment deadline after IDR
If enacted, after an independent dispute decision, the party that owes money would have 30 days to pay and must notify the Secretary when it pays. If payment is late or not made, the delinquent plan or provider would owe the difference, plus a penalty equal to three times that difference, plus interest. The difference uses the plan’s initial payment (or $0 if denied) and the out-of-network rate after your cost sharing. These rules would apply to emergency, nonemergency, and air ambulance bills.
Up to $10,000 fines for surprise billing
If enacted, regulators could fine group health plans and insurers up to $10,000 per person or per failure for certain No Surprises Act violations. The fines would apply to listed rules tied to out-of-network emergency care, air ambulance services, and related protections. ERISA, the Public Health Service Act, and the tax code would each be updated to allow these fines. For other noncompliance, existing $100-per-day penalties would continue to apply.
Sponsors & CoSponsors
Sponsor
Murphy
NC • R
Cosponsors
Panetta
CA • D
Sponsored 7/23/2025
Joyce (PA)
PA • R
Sponsored 7/23/2025
Schrier
WA • D
Sponsored 7/23/2025
Onder
MO • R
Sponsored 7/23/2025
Ruiz
CA • D
Sponsored 7/23/2025
Vindman
VA • D
Sponsored 7/29/2025
Van Duyne
TX • R
Sponsored 10/3/2025
Harris (MD)
MD • R
Sponsored 10/28/2025
Morelle
NY • D
Sponsored 10/31/2025
Suozzi
NY • D
Sponsored 11/4/2025
Conaway
NJ • D
Sponsored 11/7/2025
Moran
TX • R
Sponsored 12/16/2025
Lawler
NY • R
Sponsored 1/8/2026
Dunn (FL)
FL • R
Sponsored 1/14/2026
Pappas
NH • D
Sponsored 2/10/2026
Friedman
CA • D
Sponsored 2/10/2026
Moore (UT)
UT • R
Sponsored 2/10/2026
Malliotakis
NY • R
Sponsored 2/10/2026
Van Drew
NJ • R
Sponsored 2/10/2026
DelBene
WA • D
Sponsored 2/24/2026
Krishnamoorthi
IL • D
Sponsored 3/16/2026
Roll Call Votes
No roll call votes available for this bill.
View on Congress.govTake It Personal
Get Your Personalized Policy View
Start a Free Government Policy Watch to see how policy affects your household, then upgrade to PRIA Full Coverage for year-round monitoring.
Already have an account? Sign in