The NSA will have its greatest impact on plans that incorporate a provider network, and use a design with separate, often higher deductibles and coinsurance for out-of-network providers.

This past year saw some much-needed focus on rising health care costs and the implementation of federal legislation designed to enhance participant protection and fairness. On January 1st, certain provisions of the No Surprises Act (NSA) took effect to protect health plan participants from excessive medical bills from out-of-network providers.

The NSA’s robust protections ensure participants have new rights regarding fair, consistent and predictable price information as well as advance explanations of benefits. Beyond simple compliance, the NSA offers plan sponsors a strategic opportunity to manage health care spend and to improve the employee health care benefit experience.

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