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@tina57 Updated the post.

@silverback Unfortunately, that document was not very useful in answering any of the questions, but I was able to answer all my questions with a document I was sent. https://www.federalregister.gov/documents/2021/07/13/2021-14379/requirements-related-to-surprise-billing-part-i#p-82

Let's say I have a HMO policy I bought on the marketplace from South Carolina and I'm on a road trip across the country. While I'm in New Mexico, I go to the ER for an emergency (not in network) and I am admitted or even have surgery during the admission. EDIT: I believe I found the answer...