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In personal injury and wrongful death lawsuits (excluding medical malpractice cases against health care providers), this bill would cap the medical damages a plaintiff can recover at the amount actually paid, currently owed, or expected to be needed for future care, rather than the full amount originally billed by a provider. It would also limit the evidence presented in court on this issue to figures reflecting real payment amounts, including what health insurance actually pays or would pay, or, for care obtained without insurance through a "letter of protection" (an arrangement where a provider agrees to wait for payment until a lawsuit settles), what a third party paid to purchase the right to collect on that bill. Additionally, plaintiffs who received care under a letter of protection would be required to disclose to the other side in the lawsuit a copy of the agreement, itemized medical bills, whether their debt was sold to a factoring company or other third party and for how much, whether they had health insurance at the time of treatment, and who referred them for care under the letter of protection.