Does the No Surprises Act cover me?

If you have a job-based plan, an individual plan or a federal-employee plan, yes: in an emergency at any ER, with an out-of-network clinician at an in-network hospital or surgery center, or in an air ambulance, you pay no more than your in-network share, unless, for some planned care, you signed a valid consent form in advance. Your plan must hold you to that share (42 U.S.C. §§ 300gg-111 and 300gg-112; 45 CFR 149.110, 149.120 and 149.130), and the provider may not bill you more (42 U.S.C. §§ 300gg-131, 300gg-132 and 300gg-135; 45 CFR 149.410, 149.420 and 149.440); a federal-employee plan follows the same rules (5 U.S.C. § 8902(p); 5 CFR 890.114). Medicare, Medicaid and TRICARE have protections of their own, and if you have no insurance or pay for care yourself, the provider owes you a good faith estimate before scheduled care (42 U.S.C. § 300gg-136; 45 CFR 149.610).

How do I know if the No Surprises Act covers a bill? — answered from the law, on provern.org