# 119-hr-3103: Health Share Transparency Act of 2025

119-hr-3103, Health Share Transparency Act of 2025, is a 119th Congress bill sponsored by Rep. Huffman, Jared [D-CA-2] (D-CA); status introduced; PRIA reads it as touching household money (as of 2025-12-21).

- Canonical: https://policyrisk.com/legislation/119-hr-3103
- As of: 2025-12-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-3103
- Congress: 119
- Title: Health Share Transparency Act of 2025
- Status: introduced
- Introduced: 2025-04-30
- Sponsor: Rep. Huffman, Jared [D-CA-2] (D-CA)
- Cosponsors: 8
- Policy area: Health
- Touches household money: yes
- Last recorded action: 2025-12-21

## 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. - 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.

## Cosponsors (8)

- Rep. Raskin, Jamie [D-MD-8] (D-MD), 2025-04-30T00:00:00.000Z
- Rep. Casten, Sean [D-IL-6] (D-IL), 2025-04-30T00:00:00.000Z
- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC), 2025-04-30T00:00:00.000Z
- Rep. Tlaib, Rashida [D-MI-12] (D-MI), 2025-04-30T00:00:00.000Z
- Rep. Pocan, Mark [D-WI-2] (D-WI), 2025-04-30T00:00:00.000Z
- Rep. Moulton, Seth [D-MA-6] (D-MA), 2025-04-30T00:00:00.000Z
- Rep. Cohen, Steve [D-TN-9] (D-TN), 2025-04-30T00:00:00.000Z
- Rep. Frost, Maxwell [D-FL-10] (D-FL), 2025-04-30T00:00:00.000Z

## Provisions PRIA read

- Clear pre-enrollment notices for enrollees: benefit, low. 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 shar…
- Rules for groups that enroll people: benefit, low. 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 com…
- Yearly public reports on ministries: benefit, low. 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…
- Enforcement and rulemaking for ministries: benefit, low. 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 pow…
- FTC must publish ministry complaints: benefit, low. 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 r…

## Related bills

- 119-hr-9877: Health Equity and Accountability Act of 2026
- 119-hr-7977: Energy Bills Relief Act
- 119-hr-7973: Momnibus Act
- 119-hr-7853: PrEP Access and Coverage Act of 2026
- 119-hr-5361: George Floyd Justice in Policing Act of 2025
- 119-hr-51: Washington, D.C. Admission Act

## Sources
- [119-hr-3103 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/3103)

## Related
- [119-hr-9877: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-hr-9877)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-7853: PrEP Access and Coverage Act of 2026](https://policyrisk.com/legislation/119-hr-7853)
- [119-hr-5361: George Floyd Justice in Policing Act of 2025](https://policyrisk.com/legislation/119-hr-5361)
- [119-hr-51: Washington, D.C. Admission Act](https://policyrisk.com/legislation/119-hr-51)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-3103 (as of 2025-12-21).