# 119-s-5030: TRUTH in Coverage Act of 2026

119-s-5030, TRUTH in Coverage Act of 2026, is a 119th Congress bill sponsored by Sen. Marshall, Roger [R-KS] (R-KS); status introduced; PRIA reads it as touching household money (as of 2026-07-30).

- Canonical: https://policyrisk.com/legislation/119-s-5030
- As of: 2026-07-30
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-5030
- Congress: 119
- Title: TRUTH in Coverage Act of 2026
- Status: introduced
- Introduced: 2026-07-16
- Sponsor: Sen. Marshall, Roger [R-KS] (R-KS)
- Cosponsors: 1
- Policy area: Health
- Touches household money: yes
- Last recorded action: 2026-07-30

## Summary

**Requires health plans to cover a wide set of restorative services after certain listed “sex-rejecting procedures.”** The bill would add matching coverage duties to the Public Health Service Act, the Employee Retirement Income Security Act, and the tax code so plans that pay for any listed procedure must also cover enumerated services to address harms from those procedures with parity in cost and treatment limits. - People who receive a listed sex-rejecting procedure would be entitled to coverage for a broad, enumerated set of "restorative care" services. Examples include reproductive and fertility services, reconstruction and prosthetics, hormone monitoring and related endocrine care, treatment of surgical complications, rehabilitation, and related mental-health services. - Group health plans and health insurance issuers regulated under PHSA and ERISA would have to apply no stricter financial requirements or treatment limits to restorative-care items than to most other medical and surgical benefits. Plans could not impose separate deductibles, separate copays, tiering, or other separate cost-sharing only for restorative care and the bill explicitly treats aggregate annual and lifetime limits as financial requirements. - The bill defines key terms. It defines "male" and "female" by biological sex and lists many specific covered "sex-rejecting procedures" such as puberty blockers, hormone therapy, castration, hysterectomy, mastectomy, phalloplasty, and others while carving out exceptions like treatment for disorders of sex development, emergency care, and puberty suppression for precocious puberty. The coverage rules would apply to plan years beginning on or after January 1, 2027.

## Cosponsors (1)

- Sen. Lummis, Cynthia M. [R-WY] (R-WY), 2026-07-16T00:00:00.000Z

## Provisions PRIA read

- Restorative care coverage after procedures: benefit, high. If your group health plan covers any listed sex‑rejecting procedure, it would also have to cover restorative care for harms from that procedure. Restorative care would include reproductive, hormone, sexual, urinary, voice, bone, heart, surgical-complication, reconstructive, prosthetic, rehabilitati…
- Which procedures trigger restorative coverage: mixed, medium. The bill would define 'sex‑rejecting procedure' with a long list of drugs, surgeries, implants, removals, and cosmetic interventions meant to align a body with an asserted gender identity. It would also list exceptions, such as care for certain disorders of sex development, results from diagnostic…

## Related bills

- 119-s-4952: Protecting American Taxpayers Act
- 119-s-4378: Protecting American Taxpayers Act
- 119-s-1748: Kids Online Safety Act
- 119-s-2010: TERMS Act
- 119-s-292: Educational Choice for Children Act of 2025
- 119-s-2355: Patients Deserve Price Tags Act

## Sources
- [119-s-5030 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/5030)

## Related
- [119-s-4952: Protecting American Taxpayers Act](https://policyrisk.com/legislation/119-s-4952)
- [119-s-4378: Protecting American Taxpayers Act](https://policyrisk.com/legislation/119-s-4378)
- [119-s-1748: Kids Online Safety Act](https://policyrisk.com/legislation/119-s-1748)
- [119-s-2010: TERMS Act](https://policyrisk.com/legislation/119-s-2010)
- [119-s-292: Educational Choice for Children Act of 2025](https://policyrisk.com/legislation/119-s-292)
- [119-s-2355: Patients Deserve Price Tags Act](https://policyrisk.com/legislation/119-s-2355)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-5030 (as of 2026-07-30).