Back to Resources

The 'Surprise Billing' Gap: Why ground ambulances were excluded from the 2022 No Surprises Act.

When the No Surprises Act was passed in 2022, it banned surprise bills for ER visits and air ambulances. But ground ambulances—the ones 99% of people actually use—were left out. Why?

The "Local Funding" Problem

Almost half of the nation's 911 responses are handled by local fire departments. If the federal government capped what those departments could charge, many towns argued they would have to raise property taxes to keep their ambulances running. Congress blinkled at the political cost of interfering with "local control."

Furthermore, ground ambulance systems are incredibly fragmented. There are over 14,000 different ground ambulance providers in the U.S., ranging from massive private equity-owned corporations to volunteer non-profits. Creating a single federal standard that worked for all of them was deemed "too complex" for the initial 2022 rollout.

The Ground Ambulance Advisory Committee

In response to the public outcry over this exclusion, the federal government formed the GAPB (Ground Ambulance and Patient Billing) Advisory Committee. Their job is to study the issue and provide recommendations for a potential national price cap, though as of 2026, no federal ground protection has yet been signed into law.

Until federal law changes, your ONLY protection against ground ambulance surprise bills comes from specific state-level laws. This is why our tool checks for state mandates in every search.

This article was last updated on March 12, 2026.

Estimates only. Not legal or medical advice.Terms of Service

End Surprise Ambulance Bills.

Federal reform is slow. State-level mandates are the fastest path to protection. Demand that your state representatives close the "billing gap" and treat ambulances like essential emergency care.

GAPThe Billing Loophole

Most insurance only covers ambulance costs if you are transported. If an EMT treats you on-scene but you aren't taken to a hospital (TNT), you often face a $500+ "dry run" bill that insurance refuses to pay.

GOALOur Policy Goal

Mandate that all ambulance services—transport or treatment-only—are covered under emergency care frameworks with predictable copays.