This bill requires the commissioner of commerce and insurance to establish an independent dispute resolution process by which a dispute for a bill for out-of-network billing emergency services or balance bill may be resolved, as discussed below. This bill requires the commissioner to promulgate rules that establish standards for the resolution process, including a process for selecting independent dispute resolution entities to conduct the resolution process. Independent dispute resolution entities must use licensed physicians in the same or similar specialty as the physician providing the service in dispute.