This bill makes a series of changes relating to health care costs and billing practices.

Among other things, the bill

• applies in-network cost-sharing requirements to certain emergency and related non-emergency services that are provided out-of-network;
• requires health insurers to include in-network and out-of-network deductibles, as well as out-of-pocket maximum limitations, on enrollee insurance cards;
• requires health insurers to provide online and print directories of in-network health care providers; and
• prohibits health care providers from billing individuals for services more than a year after such services are provided.