Health insurers have argued that they need to be able to make out-of-network charges and other cost-sharing arrangements stick to encourage enrollees to shop for care.

The New York State Department of Financial Services wants health insurers to pay any extra bills when their out-of-date provider directories send patients to out-of-network doctors and hospitals.

The state has proposed regulations that would require health plans in the state to make up the difference when a patient sees an out-of-network provider because of the use of:

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