# 119-hr-9117: CHECK Act of 2026

119-hr-9117, CHECK Act of 2026, is a 119th Congress bill sponsored by Rep. Langworthy, Nicholas A. [R-NY-23] (R-NY); status introduced; PRIA reads it as touching household money (as of 2026-07-30).

- Canonical: https://policyrisk.com/legislation/119-hr-9117
- As of: 2026-07-30
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-9117
- Congress: 119
- Title: CHECK Act of 2026
- Status: introduced
- Introduced: 2026-06-03
- Sponsor: Rep. Langworthy, Nicholas A. [R-NY-23] (R-NY)
- Cosponsors: 0
- Policy area: Health
- Touches household money: yes
- Last recorded action: 2026-07-30

## Summary

**This bill requires more transparent health-plan financial data and clearer patient cost estimates.** It forces administrative service providers and plans to disclose detailed payment, rebate, pricing, and alternative‑payment data and creates a unified plain‑language explanation of benefits and good‑faith cost estimates. - Families and patients: Plans and issuers must provide a plain‑language explanation of benefits within 45 days that lists what the plan will pay, the enrollee's cost‑sharing, applicable billing codes, the site of service, and how much counts toward deductibles and out‑of‑pocket limits. - Employers and group plans: Plans must receive detailed disclosures at no cost, at least quarterly, including pricing formulas, rebate totals, and data on alternative payment arrangements. ERISA plans get these rules for plan years beginning two years after enactment and self‑funded non‑Federal government plans start one year after enactment. - Administrative service providers and third‑party vendors: Contracts may not hide or delay required disclosures and redisclosure is limited by HIPAA rules. Violations can trigger civil penalties of $100,000 per day and enforcement under the ERISA and PHSA provisions, with the Secretary required to issue rules to implement the changes.

## Provisions PRIA read

- Quarterly plan pricing data and penalties: benefit, high. If enacted, health plan service providers would have to give group plans and issuers detailed pricing and payment data at least every quarter and at no cost. The data would include how providers are paid, rebate and fee totals (including escrow or variance accounts), and reconciliation for alternat…
- Itemized medical bills and collections protections: benefit, medium. If enacted, any provider who asks an individual for payment would have to give a written, itemized bill. The bill must be provided within 30 days after the provider receives a final third-party payment and must list each item or service, billing codes (including modifiers), prices or a total bundle…
- Faster patient cost notices and estimates: benefit, low. If enacted, for plan years beginning on or after January 1, 2026, group and individual plans would have to send a clear notice within 45 days after a payment request. The notice must say if the provider is in-network and list each item or service in plain language with billing codes and modifiers.…

## Related bills

- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-4669: FEMA Act of 2025
- 119-hr-2725: Affordable Housing Credit Improvement Act of 2025
- 119-hr-2570: Maximum Pressure Act
- 119-hr-4317: PBM Reform Act of 2025
- 119-hr-1229: United States-Israel Defense Partnership Act of 2025

## Sources
- [119-hr-9117 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/9117)

## Related
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-4669: FEMA Act of 2025](https://policyrisk.com/legislation/119-hr-4669)
- [119-hr-2725: Affordable Housing Credit Improvement Act of 2025](https://policyrisk.com/legislation/119-hr-2725)
- [119-hr-2570: Maximum Pressure Act](https://policyrisk.com/legislation/119-hr-2570)
- [119-hr-4317: PBM Reform Act of 2025](https://policyrisk.com/legislation/119-hr-4317)
- [119-hr-1229: United States-Israel Defense Partnership Act of 2025](https://policyrisk.com/legislation/119-hr-1229)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-9117 (as of 2026-07-30).