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In personal injury and wrongful death lawsuits, this bill caps the medical damages a plaintiff can recover at the amount actually paid or owed for their care — not the higher "sticker price" a provider might originally bill. It also limits what financial evidence can be presented in court to reflect these real-world payment amounts, and requires plaintiffs who received care under a "letter of protection" — an arrangement where a provider agrees to wait for payment until a lawsuit settles — to disclose details about that arrangement, including whether their medical debt was sold to a third-party collection company and at what price.