# 119-hr-10908: Ending Patient Runaround Act

119-hr-10908, Ending Patient Runaround Act, is a 119th Congress bill sponsored by Rep. Cloud, Michael [R-TX-27] (R-TX); status introduced; PRIA reads it as touching household money (as of 2026-10-30).

- Canonical: https://policyrisk.com/legislation/119-hr-10908
- As of: 2026-10-30
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-10908
- Congress: 119
- Title: Ending Patient Runaround Act
- Status: introduced
- Introduced: 2026-10-26
- Sponsor: Rep. Cloud, Michael [R-TX-27] (R-TX)
- Cosponsors: 0
- Policy area: Health
- Touches household money: yes
- Last recorded action: 2026-10-30

## Summary

**This bill would create Universal Savings Accounts** as a new tax‑advantaged trust vehicle and would bundle broad health-plan transparency and patient-protection rules for group and individual coverage. - Families and patients would get clearer contract disclosures, a U.S.-based point of contact, and faster prior authorization responses to providers and patients within 30 days. Billing errors must be repaid with at least 110% of the excess if refunded within 30 days and increase if refunded later. - Providers and insurers would face payment-parity and review rules. Plans must pay nonparticipating providers at least the same amount they would pay in-network, and peer-to-peer reviews must use a reviewer in the same specialty as the requesting provider. - Savers, trustees, and financial firms would gain a new Universal Savings Account structure with a $10,000 annual contribution limit per beneficiary, rollover rules, trustee reporting duties, and taxes and penalties for excess contributions; USA tax rules would apply for taxable years beginning after December 31, 2024.

## Provisions PRIA read

- Stronger refunds for health billing errors: benefit, medium. If enacted, the bill would require plans, issuers, and providers to refund any overcharge to an enrollee with added compensation. You would get 110% of the excess charge if refunded within 30 days, 150% if refunded after 30 but before 60 days, and 150% plus 25 percentage points for each 30‑day peri…
- New tax-advantaged Universal Savings Accounts: benefit, medium. If enacted, the bill would create Universal Savings Accounts (USAs) for taxable years after December 31, 2024. You would generally be able to contribute up to $10,000 per beneficiary each calendar year. The annual limit would be indexed for inflation after 2026 and rounded down to the nearest $100.…
- Faster authorization and steadier coverage: benefit, low. If enacted, the bill would require health plans and insurers to decide prior authorization requests in writing to you and your provider within 30 days. If you request a peer‑to‑peer review after a denial, the reviewer would have to be in the same specialty as your provider. Plans would also have to…
- More payment parity and price transparency: benefit, low. If enacted, the bill would bar plans from stopping participating providers from treating people who are not enrolled in the plan. If a nonparticipating provider gives you covered care, the plan would have to pay that provider at least what it would have paid an in‑network provider. Plans and issuer…
- Expanded access to basic catastrophic plans: mixed, medium. If enacted for plan years beginning in 2027, the bill would let more people enroll in a basic catastrophic plan. A qualifying plan would have to cover at least three primary care visits per year. The plan would generally provide no other benefits until you reach the plan’s annual out‑of‑pocket maxi…

## Related bills

- 119-hr-8324: Great American Healthcare Plan
- 119-hr-4317: PBM Reform Act of 2025
- 119-hr-9200: Secure the Border Act of 2026
- 119-hr-9199: Permanent Trump Secure Border Act
- 119-hr-8652: YODA
- 119-hr-9298: Stopping Harmful and Outrageous Torts Act

## Sources
- [119-hr-10908 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/10908)

## Related
- [119-hr-8324: Great American Healthcare Plan](https://policyrisk.com/legislation/119-hr-8324)
- [119-hr-4317: PBM Reform Act of 2025](https://policyrisk.com/legislation/119-hr-4317)
- [119-hr-9200: Secure the Border Act of 2026](https://policyrisk.com/legislation/119-hr-9200)
- [119-hr-9199: Permanent Trump Secure Border Act](https://policyrisk.com/legislation/119-hr-9199)
- [119-hr-8652: YODA](https://policyrisk.com/legislation/119-hr-8652)
- [119-hr-9298: Stopping Harmful and Outrageous Torts Act](https://policyrisk.com/legislation/119-hr-9298)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-10908 (as of 2026-10-30).