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In civil injury lawsuits (excluding medical malpractice cases), this bill bars courts from allowing any evidence about whether an injured person's medical bills were paid, reduced, written off, or covered by insurance, Medicare, Medicaid, or any other outside source — and prohibits defendants from using such discounts to lower their settlement offers. Defendants also cannot reference these payment adjustments during trial in any way, and if a party requests it, the judge must instruct the jury not to speculate about whether the plaintiff had insurance or other financial help covering their care.