# 119-hr-9397: Premium Transparency Act

119-hr-9397, Premium Transparency Act, is a 119th Congress bill sponsored by Rep. Pfluger, August [R-TX-11] (R-TX); status in_committee; PRIA reads it as touching household money (as of 2026-08-23).

- Canonical: https://policyrisk.com/legislation/119-hr-9397
- As of: 2026-08-23
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-9397
- Congress: 119
- Title: Premium Transparency Act
- Status: in_committee
- Introduced: 2026-06-23
- Sponsor: Rep. Pfluger, August [R-TX-11] (R-TX)
- Cosponsors: 3
- Policy area: Health
- Touches household money: yes
- Last recorded action: 2026-08-23

## Summary

**Insurer financial transparency**. The Premium Transparency Act would require health insurers and Medicare Advantage organizations to publish clear, plan-level breakdowns of how premium dollars are spent. It would also require standardized, plain-English displays of key plan features to make shopping and year-to-year comparisons easier. - Families and consumers would get consumer-friendly data showing the share of premiums spent on claims, non-claims costs, and what insurers retain. They would see standardized info on monthly premiums, deductibles, out-of-pocket limits, network type, and typical in-network cost-sharing. - Medicare Advantage enrollees would see MA plan-level reporting of total revenue, amounts and percentages spent on incurred claims and non-claims costs, and the MLR gap. Those MA disclosures would apply for plan years on or after January 1, 2027. - Exchange shoppers would get the most recent plan-level transparency data for plans offered in previous years to improve year-to-year comparability. This change takes effect for plan years on or after January 1, 2029. - Issuers and Medicare Advantage organizations would submit the required data to the Department of Health and Human Services and publish it on their public websites, and follow HHS guidance on a standardized plain-English presentation by January 1, 2028. *Would increase public visibility into insurer overhead and claims spending and create standardized plan summaries to help consumers compare coverage.*

## Cosponsors (3)

- Rep. Moran, Nathaniel [R-TX-1] (R-TX), 2026-06-23T00:00:00.000Z
- Rep. Goldman, Craig A. [R-TX-12] (R-TX), 2026-07-21T00:00:00.000Z
- Rep. Wittman, Robert J. [R-VA-1] (R-VA), 2026-07-21T00:00:00.000Z

## Provisions PRIA read

- Health insurer premium transparency: benefit, medium. This bill would require health insurers to publish how they spend premium dollars starting with plan years beginning January 1, 2027. Issuers would submit and post, at the coverage level, the percent of total premium spent on the listed categories, the required explanation of those categories, and…
- Medicare Advantage plan spending reports: benefit, medium. This bill would require Medicare Advantage organizations to submit and publish plan-level financial data for plan years beginning January 1, 2027. Each MA plan would post total revenue, dollars and percent spent on incurred claims, dollars and percent spent on non-claims costs, the MLR numerator-mi…
- Plain-language plan information rules: benefit, medium. This bill would require HHS to issue plain-English guidance by January 1, 2028 for group plans, issuers of group or individual coverage, and Medicare Advantage organizations. The guidance would standardize how plans present monthly premium, annual deductible, maximum out-of-pocket, provider network…

## Related bills

- 119-hr-2570: Maximum Pressure Act
- 119-hr-1262: Mikaela Naylon Give Kids a Chance Act
- 119-hr-21: Born-Alive Abortion Survivors Protection Act
- 119-hr-987: Fair Access to Banking Act
- 119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage Act
- 119-hr-1422: Enhanced Iran Sanctions Act of 2025

## Sources
- [119-hr-9397 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/9397)

## Related
- [119-hr-2570: Maximum Pressure Act](https://policyrisk.com/legislation/119-hr-2570)
- [119-hr-1262: Mikaela Naylon Give Kids a Chance Act](https://policyrisk.com/legislation/119-hr-1262)
- [119-hr-21: Born-Alive Abortion Survivors Protection Act](https://policyrisk.com/legislation/119-hr-21)
- [119-hr-987: Fair Access to Banking Act](https://policyrisk.com/legislation/119-hr-987)
- [119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage A…](https://policyrisk.com/legislation/119-hr-842)
- [119-hr-1422: Enhanced Iran Sanctions Act of 2025](https://policyrisk.com/legislation/119-hr-1422)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-9397 (as of 2026-08-23).