Bill > HR3103

This bill introduces the Health Share Transparency Act of 2025, which aims to increase disclosure requirements for health care sharing ministries (HCSMs), which are alternative healthcare cost-sharing organizations. The bill mandates that these ministries must annually submit detailed financial and operational information to federal agencies, including their financial reserves, enrollment numbers, total money collected and paid out, percentage of denied claims, and a list of healthcare providers they work with. HCSMs must also provide comprehensive disclosures to current and prospective enrollees, including clear explanations that unlike traditional health insurance, there is no guarantee of reimbursement, details about potential out-of-pocket expenses, and a list of services not covered. The bill requires these disclosures to be prominently displayed, available in multiple languages, and provided in a readable format. Additionally, entities that help enroll people in HCSMs must explain alternative healthcare options like tax credits for qualified health plans and government healthcare programs. The Secretary of Health and Human Services can impose civil monetary penalties of up to $100 per day for each individual affected if an HCSM fails to meet these requirements. The Federal Trade Commission is also required to publicly disclose consumer complaints about HCSMs twice a year, providing transparency about potential issues in these healthcare sharing organizations.

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https://www.congress.gov/bill/119th-congress/house-bill/3103/all-info