Many Americans often fall victim to surprise medical expenses in emergency circumstances. “Surprise billing,” is when one unknowingly receives care from an out-of-network healthcare provider and is billed for it even if their healthcare plan does not cover it. Although the “No Surprise Act” can cover most emergency situations and prevent this surprise billing, it does not cover every unexpected medical bill or certain health coverages, such as: 

• Short-term, limited duration insurance plans 

• Excepted benefit plans 

• Retiree-only plans 

• Account-based health-group plans 

However, steps can be taken to set up a lowest-cost healthcare plan.