“Surprise Balance Protection Act” aims to protect consumers from an unexpected emergency room bill from an out of network provider. This bill would ensure that consumers re only responsible for their in-network cost sharing obligations, instruct providers to bill insurers directly, instruct insurers to negotiate with providers to determine fair payment for services that consumers receive, and establish an independent arbitration process to determine fair payment if the insurer and provider are unable to come to an agreement to the reimbursement