ERISA law ensures plan members receive a summary description of benefits, have appeal rights, and can file a suit for unpaid claims. During 2020, Michigan and federal legislation was enacted limiting the patient's liability for payment to an outofnetwork provider.ERISA is a federal law that sets minimum standards for retirement plans in private industry. An insured person may purchase either an "uncoordinated benefits" or "coordinated benefits" no-fault insurance policy. A TPA may enter into a service contract for a plan covering less than 500 individuals, if either the TPA makes arrangements for excess loss insurance. Per the No Surprises Act, out-of- network providers are banned from balance billing for emergency services provided for emergency medical conditions.