For health benefit plans issued or renewed on or after July 1, 2025, this bill prohibits an out-of-network ambulance service provider from balance billing an enrollee in a health benefit plan of a health insurer for the use of a privately or publicly owned land or air ambulance for transportation of injured or infirm persons with an emergency medical condition ("ambulance services") covered under the enrollee's health benefit plan. Further, an enrollee satisfies their obligation to pay for out-of-network ambulance services if the enrollee pays the lesser of the following:  The in-network cost-sharing amount specified in the enrollee's health benefit plan for ambulance services.  The ambulance service provider's billed charges.  325% of the current published rate for ambulance services as established by the federal centers for medicare and medicaid services for the same service provided in the same geographic area. This bill requires a health insurer to treat a cost sharing amount determined under the formula above, paid by the enrollee for out-of-network ambulance services, in the same manner as cost sharing for in-network ambulance services, and to apply the cost-sharing amount paid by the enrollee for such services toward the enrollee's deductible and maximum out-of-pocket payment obligation under the enrollee's health benefit plan, as applicable. This bill prohibits an ambulance service organization from requesting or requiring an enrollee to sign or otherwise execute by oral, written, or electronic means, a document that would attempt to void, waive, or alter this bill.