Q. Won’t your proposal lead to significant increases in health care premiums? | End the surprise insurance gap

A: The cost of emergency care represents between 2 and 5 percent of all health care costs, depending on who you ask. Emergency care services, including EPs and on-call specialty care under EMTALA, represent less than 15 percent of that amount. OON services represent less than 20 percent of that amount, or between 0.06 percent and 0.15 percent of all health care costs. A 30 percent increase in OON benefits would potentially impact premiums by 0.08 to 0.20 percent, and in the insurance world, that is pretty much a rounding error.

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