Health Share Transparency Act of 2025
Sponsored By: Representative Huffman
Introduced
Summary
Creates mandatory federal transparency and disclosure rules for health care sharing ministries (HCSMs). It would require HCSMs to file annual reports with HHS, the IRS, and the Consumer Financial Protection Bureau and to make key data and complaint information public.
Show full summary
- Families and enrollees would get required notices explaining costs, reimbursement expectations, limits or caps, provider networks, nonreimbursable items, complaint and arbitration procedures, and how protections compare with traditional health plans.
- Regulators and the public would receive annual HCSM data on financial reserves, enrollment, provider networks, claim denials, operations, and performance metrics, with the Secretary posting the results on a public website. The Federal Trade Commission would publish consumer complaints twice a year and send complaint data to HHS and the IRS.
- Entities that enroll people for HCSMs or receive payment to refer enrollees would have to disclose potential ACA premium tax credit eligibility and state or Medicare/Medicaid eligibility. Noncompliant ministries could face civil penalties up to $100 per day per affected individual.
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Bill Overview
Analyzed Economic Effects
5 provisions identified: 5 benefits, 0 costs, 0 mixed.
Clear pre-enrollment notices for enrollees
If enacted, ministries would have to give people a clear notice immediately before they join. Notices must be prominent, in multiple languages, and at least 14-point font or read aloud by phone. The notices must explain appeals, arbitration, that reimbursements are not guaranteed, any lifetime sharing caps, average out-of-pocket costs, and what is not covered. This would help people understand financial risks before they enroll.
Rules for groups that enroll people
If enacted, a ministry could not pay or contract with an enrollment group unless that group gives a pre-enrollment explanation to each person. The explanation must say if a premium tax credit (section 36B) could apply. It must also say whether the person may qualify for Medicaid or Medicare and compare protections and costs to those programs. The group must also make clear the ministry is not insurance and payments are not guaranteed.
Yearly public reports on ministries
If enacted, each health care sharing ministry would have to send yearly data to federal agencies. The reports would include finances, enrollments, claims, provider lists, and denial rates. The Health Secretary would post the information on a public website. This would help people compare ministries but would not change benefit amounts.
Enforcement and rulemaking for ministries
If enacted, the Health Secretary could fine a ministry that fails to meet the reporting or disclosure rules. Fines could be up to $100 for each day and for each affected person. The Secretary would also be able to define or clarify terms and how the rules apply. These tools give regulators more power to enforce transparency and protect consumers.
FTC must publish ministry complaints
If enacted, the Federal Trade Commission would publish consumer complaint data about health care sharing ministries twice a year. Reports would come by January 1 and July 1 and include complaint counts, categories, and ministry names plus ownership and leadership details as appropriate. The first report cycle would begin on the first January 1 or July 1 after 90 days from enactment. Agencies would also receive the complaint data for oversight.
Sponsors & CoSponsors
Sponsor
Huffman
CA • D
Cosponsors
Raskin
MD • D
Sponsored 4/30/2025
Casten
IL • D
Sponsored 4/30/2025
Del. Norton, Eleanor Holmes [D-DC-At Large]
DC • D
Sponsored 4/30/2025
Tlaib
MI • D
Sponsored 4/30/2025
Pocan
WI • D
Sponsored 4/30/2025
Moulton
MA • D
Sponsored 4/30/2025
Cohen
TN • D
Sponsored 4/30/2025
Frost
FL • D
Sponsored 4/30/2025
Roll Call Votes
No roll call votes available for this bill.
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