The cost and frequency of surprise out-of-network medical bills have risen dramatically in the individual market over the past few years, causing federal lawmakers from both parties to propose legislation that would prevent insurers from overcharging individuals for treatment by out-of-network providers in emergency care situations. Surprise medical bills from out-of-network physicians are more likely to affect individuals in the individual and small group markets, as these types of plans typically have little or no out-of-network coverage options, according to...