Amend KRS 304.17A-005 to define “balance billing,” “cost sharing,” “covered person,” “usual and customary rate,” and other terms; create new sections of Subtitle 17A of KRS Chapter 304 to require the insurance commissioner or a designated nonprofit organization to establish and maintain a database of billed health care services charges collected from insurers; define “unanticipated out-of-network care”; require an insurer to reimburse for unanticipated out-of-network care at the lower of the billed amount or the usual and customary rate less any cost sharing owed by the covered person; prohibit balance billing from a provider who has been reimbursed as required; allow a provider to bill for any applicable cost-sharing requirements owed by the insured; amend KRS 304.17A-096, 304.17A-430, 304.17A-500, 304.17B-001, 304.17B-015, 304.17B-033, 304.17C-010, 304.18-114, 304.38A-010, and 304.39-241 to conform; repeal KRS 304.17A-640; EFFECTIVE January 1, 2020.