# 119-hr-9743: TRUTH in Coverage Act of 2026

119-hr-9743, TRUTH in Coverage Act of 2026, is a 119th Congress bill sponsored by Rep. Harshbarger, Diana [R-TN-1] (R-TN); status introduced; PRIA reads it as touching household money (as of 2026-09-18).

- Canonical: https://policyrisk.com/legislation/119-hr-9743
- As of: 2026-09-18
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-9743
- Congress: 119
- Title: TRUTH in Coverage Act of 2026
- Status: introduced
- Introduced: 2026-07-16
- Sponsor: Rep. Harshbarger, Diana [R-TN-1] (R-TN)
- Cosponsors: 14
- Policy area: Health
- Touches household money: yes
- Last recorded action: 2026-09-18

## Summary

**Requires coverage for restorative care to address harms from sex-rejecting procedures.** This bill would require health plans and insurers that cover any sex-rejecting procedure to also cover lifetime treatments to monitor, mitigate, or reverse harms from those procedures. - People who received sex-rejecting procedures would gain lifetime access to restorative care. Covered services include reconstructive and prosthetic surgeries, fertility services, hormone monitoring, mental health care, rehabilitation, diagnostics, and long-term surveillance. - Health plans, issuers, and employers sponsoring plans would have to apply no more restrictive financial limits or treatment limits to restorative care than they apply to predominant medical and surgical benefits. Plans may not impose separate cost-sharing or treatment limits and the rule would apply to group and individual coverage including fully insured, self-funded, and ERISA-covered plans. - The bill defines an extensive list of sex-rejecting procedures from puberty blockers and cross-sex hormones to genital, chest, facial, and voice surgeries. It also lists specific exceptions such as treatments for disorders of sex development, life‑threatening conditions, infection or injury care, and puberty suppression for precocious puberty.

## Cosponsors (14)

- Rep. Carter, Earl L. "Buddy" [R-GA-1] (R-GA), 2026-07-16T00:00:00.000Z
- Rep. McGuire, John J. [R-VA-5] (R-VA), 2026-07-16T00:00:00.000Z
- Rep. Kennedy, Mike [R-UT-3] (R-UT), 2026-07-16T00:00:00.000Z
- Rep. Carter, John R. [R-TX-31] (R-TX), 2026-07-16T00:00:00.000Z
- Rep. Fuller, Clay [R-GA-14] (R-GA), 2026-07-16T00:00:00.000Z
- Rep. Van Epps, Matt [R-TN-7] (R-TN), 2026-07-16T00:00:00.000Z
- Rep. Biggs, Sheri [R-SC-3] (R-SC), 2026-07-16T00:00:00.000Z
- Rep. Babin, Brian [R-TX-36] (R-TX), 2026-07-16T00:00:00.000Z
- Rep. Miller, Mary E. [R-IL-15] (R-IL), 2026-07-16T00:00:00.000Z
- Rep. Stutzman, Marlin A. [R-IN-3] (R-IN), 2026-07-16T00:00:00.000Z
- Rep. Hamadeh, Abraham J. [R-AZ-8] (R-AZ), 2026-07-16T00:00:00.000Z
- Rep. Ciscomani, Juan [R-AZ-6] (R-AZ), 2026-07-16T00:00:00.000Z
- Rep. Harris, Andy [R-MD-1] (R-MD), 2026-07-27T00:00:00.000Z
- Rep. Guest, Michael [R-MS-3] (R-MS), 2026-09-16T00:00:00.000Z

## Provisions PRIA read

- More restorative care coverage for enrollees: benefit, high. This bill would require group and individual health plans or issuers that cover any listed sex-rejecting procedure to also cover restorative care for anyone who ever had such a procedure. Restorative care would include medical, surgical, fertility, mental-health, diagnostic, and surveillance servic…
- Which procedures trigger coverage rules: benefit, high. This bill would define 'sex-rejecting procedure' broadly and list many drugs, hormones, surgeries, implants, and cosmetic procedures that fit that term. It would also define 'restorative care' to include services to address, monitor, treat, or reverse harms from those procedures at any point in a p…
- Exceptions to procedure coverage rules: mixed, low. This bill would exclude some services from the 'sex-rejecting procedure' list. Exceptions include care for people born with medically verifiable disorders of sex development, services tied to a diagnosed disorder of sex development, treatment of infections or injuries caused or worsened by prior pr…

## Related bills

- 119-hr-7: No Taxpayer Funding for Abortion and Abortion Insurance Full Disclosure Act of 2025
- 119-hr-7651: Chloe Cole Act of 2026
- 119-hr-404: Hearing Protection Act
- 119-hr-425: Repealing Big Brother Overreach Act
- 119-hr-38: Constitutional Concealed Carry Reciprocity Act of 2025
- 119-hr-1232: National Right-to-Work Act

## Sources
- [119-hr-9743 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/9743)

## Related
- [119-hr-7: No Taxpayer Funding for Abortion and Abortion Insurance Full Disclosure Act of…](https://policyrisk.com/legislation/119-hr-7)
- [119-hr-7651: Chloe Cole Act of 2026](https://policyrisk.com/legislation/119-hr-7651)
- [119-hr-404: Hearing Protection Act](https://policyrisk.com/legislation/119-hr-404)
- [119-hr-425: Repealing Big Brother Overreach Act](https://policyrisk.com/legislation/119-hr-425)
- [119-hr-38: Constitutional Concealed Carry Reciprocity Act of 2025](https://policyrisk.com/legislation/119-hr-38)
- [119-hr-1232: National Right-to-Work Act](https://policyrisk.com/legislation/119-hr-1232)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-9743 (as of 2026-09-18).