Some legal scholars say that patients should already be protected against some of the highest surprise medical billing charges under longstanding conventions of contract law. (Photo: Shutterstock)

Joaquin Lopez had emergency gallbladder surgery after rushing to an ER last year. He has been haggling with Baptist Memorial Hospital in Memphis over what he owes ever since.

The 37-year-old college professor was hit with a nearly $8,000 bill from the out-of-network hospital — that was after the $11,000 he and his insurer had already paid.

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