ID H0387

Establishes the "No Surprises Act" in Idaho Code Chapter 66 to protect patients from surprise billing by health care providers at contracted facilities.

Prohibits providers from billing patients or their health benefit plans for amounts exceeding what the plan would pay a contracted provider for the same services in the same geographic area, plus the patient's applicable coinsurance, deductible, and copayment.

Voids any consent forms or agreements that permit providers to bill amounts exceeding those allowed under the act, and requires providers who violate the chapter to reimburse patients for attorney's fees and costs.

Allows patients to opt out of protections through a written agreement signed at least 7 days before service, provided the agreement specifies services and pricing, expires within 12 months, explains out-of-network consequences, and does not apply to emergency services.

Permits self-funded group health plans and ERISA-exempt plans to voluntarily participate by providing annual notice to the director, with participating plans listed on the department's website.