FILE — In this Aug. 24, 2021, file photo an ambulance sits outside the emergency room at The Queen's Medical Center in Honolulu. As of Jan. 1, 2022, most surprise medical bills are now banned as a result of the No Surprises Act. Surprise medical bills commonly arise when you can’t choose your provider, such as in an emergency or when you’re assigned an anesthesiologist or radiologist. (AP Photo/Caleb Jones, File)
