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foreign youre with us here on the Clark Howard Show our mission is to serve you and Empower you so you make better financial decisions in your life something we deal with in our lives all of us at some point the Health Care system and the no surprises act which became law last year is something that Im surprised but almost nobody knows that the law exists in fact one survey I saw said that less than 15 percent of Americans had even heard of the no surprises act I want to tell you what it means to you and your wallet also on todays show how much if anything have you been able to put aside in an emergency fund we didnt talk about that so the no surprises Act was passed and took years to go into effect because people who have insurance and go in network for care can end up getting stray medical bills that are now in most cases illegal and survey says one in five people typically survey was done by morning consult one in five people have been hit with a surprise medical bill so the id