Under New York's approach to out-of-network billing, each party submits a proposed dollar amount to the arbiter, who then chooses one as the final monetary award.
Lobbying campaigns and legislative battles have been underway for months as Congress tries to solve the problem of surprise billing, when patients face often exorbitant costs after they unknowingly receive care from an out-of-network doctor or hospital.
As Congress considers various plans and negotiates behind the scenes, data is trickling in from states that have been test-driving proposed solutions.
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