119-hr3103

[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 3103 Introduced in House

    (IH) ]

<DOC>

119th CONGRESS
 1st Session
 H. R. 3103

 To amend title XXVII of the Public Health Service Act to establish 
 requirements for the disclosure of certain information relating to 
 health care sharing ministries, and for other purposes.

_______________________________________________________________________

 IN THE HOUSE OF REPRESENTATIVES

 April 30, 2025

 Mr. Huffman (for himself, Mr. Raskin, Mr. Casten, Ms. Norton, Ms. 
Tlaib, Mr. Pocan, Mr. Moulton, Mr. Cohen, and Mr. Frost) introduced the 
 following bill; which was referred to the Committee on Energy and 
 Commerce

_______________________________________________________________________

 A BILL

 To amend title XXVII of the Public Health Service Act to establish 
 requirements for the disclosure of certain information relating to 
 health care sharing ministries, and for other purposes.

 Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

 This Act may be cited as the ``Health Share Transparency Act of 
2025''.

SEC. 2. ESTABLISHING REQUIREMENTS FOR THE DISCLOSURE OF CERTAIN 
 INFORMATION RELATING TO HEALTH CARE SHARING MINISTRIES.

    (a) In General.--Title XXVII of the Public Health Service Act (42 
U.S.C. 300gg et seq.) is amended by adding at the end the following new 
part:

 ``PART F--HEALTH CARE SHARING MINISTRIES

``

SEC. 2799C-1. DISCLOSURE OF INFORMATION.

 ``

    (a) In General.--A health care sharing ministry (as defined in 

section 5000A
            (d) (2)
        (B)
            (ii) of the Internal Revenue Code of 1986)--
 ``

    (1) shall, not less frequently than annually, submit to 
 the Secretary, the Commissioner of Internal Revenue, and the 
 Director of the Bureau of Consumer Financial Protection the 
 information described in subsection

    (b) ;
 ``

    (2) shall disclose to each individual seeking to enroll 
 in the ministry, and each individual so enrolled, the 
 information described in paragraph

    (1) of subsection
            (c) in the 
 manner specified in paragraph

    (2) of such subsection; and
 ``

    (3) may not enter into a contract with an entity for 
 purposes of enrolling an individual in such ministry, or 
 otherwise provide remuneration to such an entity in exchange 
 for enrolling an individual in such ministry, unless such 
 entity meets the requirements described in subsection
            (d) .
 ``

    (b) Disclosure of Financial and Appeals Information.--
 ``

    (1) In general.--For purposes of subsection

    (a)

    (1) , the 
 information described in this subsection is, with respect to a 
 health care sharing ministry, the following:
 ``
        (A) The amount of financial reserves held by such 
 ministry.
 ``
        (B) The ratio of the amount of money collected 
 from enrollees for purposes of reimbursing enrollees 
 for medical claims that is expended by such ministry on 
 costs described in paragraphs

    (1) and

    (2) of 

section 2718

    (a) to the total amount of money so collected for 
 the preceding year.
 ``
            (C) The number of individuals enrolled in such 
 ministry.
 ``
            (D) The total amount paid by individuals enrolled 
 in such ministry for coverage under such ministry over 
 the preceding year.
 ``
        (E) The total amount paid by such ministry for 
 items and services for which benefits were available 
 under such ministry over the preceding year.
 ``
        (F) The average out-of-pocket expenses incurred 
 by individuals enrolled under such ministry for items 
 and services for which benefits are available under 
 such ministry over the preceding year.
 ``
        (G) A list of each State and county in which 
 individuals who reside in such State or county may 
 enroll in such ministry.
 ``
        (H) The percentage of claims made under such 
 ministry during the preceding year which were denied.
 ``
            (I) Contact information for the operator (or a 
 representative of the operator) of such ministry.
 ``
        (J) A specification of each health care provider 
 with which such ministry has in effect a contractual 
 relationship for furnishing items and services under 
 such ministry.
 ``
        (K) The average amount of time such ministry took 
 to reimburse a claim once submitted to such ministry 
 during the preceding year.
 ``

    (2) Publication.--The Secretary shall publish the 
 information submitted under subsection

    (a)

    (1) on a public 
 website.
 ``
            (c) Disclosure of Information to Prospective and Current 
Enrollees.--
 ``

    (1) In general.--For purposes of subsection

    (a)

    (2) , the 
 information described in this paragraph is, with respect to a 
 health care sharing ministry, the following:
 ``
        (A) How an enrollee may file a complaint or 
 appeal a coverage determination, including a disclaimer 
 that appeals may not be available to any entity other 
 than such ministry.
 ``
        (B) Whether an enrollee must use arbitration in 
 appealing a coverage determination or has other legal 
 recourse.
 ``
            (C) An explanation that, unlike a group health 
 plan or health insurance coverage, there is no 
 guarantee that an enrollee will be reimbursed for any 
 portion of claims submitted to such ministry, as well 
 as a specification of whether any lifetime caps on 
 health care sharing per enrollee are imposed under such 
 ministry.
 ``
            (D) The information described in subsection

    (b)

    (1)
        (F) .
 ``
        (E) The average amount paid per enrollee to such 
 ministry for membership under such ministry over the 
 preceding year.
 ``
        (F) With respect to claims made during the 
 preceding year for items and services for which 
 benefits were available under such ministry, the total 
 amount paid by such ministry for such claims compared 
 and the total amount for which individuals enrolled 
 under such ministry were responsible in cost sharing.
 ``
        (G) A list of all items and services for which 
 reimbursement is not available under such ministry, as 
 well as, with respect to each item or service for which 
 such reimbursement is so available, a specification of 
 any conditions that would render such item or service 
 nonreimbursable.
 ``
        (H) A list of any other requirements imposed on 
 claims submitted for health care sharing under such 
 ministry.
 ``

    (2) Manner of disclosure.--For purposes of subsection

    (a)

    (2) , information described in paragraph

    (1) shall be--
 ``
        (A) disclosed in a prominent manner;
 ``
        (B) made available in multiple langauges;
 ``
            (C) provided immediately before enrollment of any 
 individual in a health care sharing ministry; and
 ``
            (D) be written in at least 14 point font (or, if 
 such enrollment is being made over the phone, be read 
 out loud).
 ``
            (d) Entity Requirements.--For purposes of subsection

    (a)

    (3) , the 
requirements described in this subsection are, with respect to an 
entity with a contract in effect with a health care sharing ministry 
for purposes of enrolling an individual in such ministry (or otherwise 
receiving remuneration from such ministry in exchange for enrolling an 
individual in such ministry), that such entity provides to such 
individual--
 ``

    (1) an explanation of any tax credit that may be 
 available to such individual under 

section 36B of the Internal 
 Revenue Code of 1986 to purchase a qualified health plan (as 
 defined in 

section 1301

    (a) of the Patient Protection and 
 Affordable Care Act) through an Exchange established pursuant 
 to such Act;
 ``

    (2) if such individual qualifies to enroll under a State 
 plan (or waiver of such plan) under title XIX of the Social 
 Security Act, or if such individual is entitled to benefits 
 under part A or eligible to enroll under part B of title XVIII 
 of such Act, an explanation of such qualification, entitlement, 
 or eligibility;
 ``

    (3) an explanation of the types of benefits required to 
 be provided under such plans and other protections applicable 
 under such plans (such as limitations on cost sharing) compared 
 to the benefits provided, and cost-sharing requirements 
 imposed, under such ministry; and
 ``

    (4) an explanation that such ministry is not a group 
 health plan or health insurance coverage and that benefits 
 provided under such ministry are not guaranteed.
 ``

    (e) Enforcement.--In the case that the Secretary determines that 
a health care sharing ministry has failed to meet a requirement of this 
section, the Secretary may impose a civil monetary penalty on such 
ministry in an amount not to exceed $100 for each day for each 
individual with respect to which such a failure occurs. The provisions 
of subparagraphs
            (C) through
        (G) of paragraph

    (2) of 

section 2723 shall 
apply to a civil monetary penalty imposed under this subsection in the 
same manner as such provisions apply to a civil monetary penalty 
imposed under such section.
 ``

    (f) 

=== Definitions. ===
-For purposes of this section, the Secretary may 
specify the meaning of any term used in relation to a health care 
sharing ministry and clarify the applicability of such term to such a 
ministry.''.

    (b) Disclosures by Federal Trade Commission Regarding Consumer 
Complaints.--

    (1) In general.--Not later than January 1 and July 1 of 
 each year, the Federal Trade Commission shall publicly disclose 
 on the Internet website of the Commission, and transmit to the 
 Secretary of Health and Human Services and the Commissioner of 
 Internal Revenue--
        (A) the number of consumer complaints regarding 
 health care sharing ministries (as defined in 

section 5000A
            (d) (2)
        (B)
            (ii) of the Internal Revenue Code of 
 1986) received by the Commission during the period 
 covered by the disclosure;
        (B) the general categories (as determined by the 
 Commission) of the complaints described in subparagraph
        (A) ; and
            (C) with respect to each complaint described in 
 subparagraph
        (A) --
            (i) the name of the health care sharing 
 ministry against which the complaint was made; 
 and
            (ii) such details as the Commission 
 considers appropriate regarding the ownership, 
 operation, and executive leadership of such 
 ministry.

    (2) Timing of initial disclosure.--Paragraph

    (1) shall 
 apply beginning on the January 1 or July 1 that first occurs 
 after the date that is 90 days after the date of the enactment 
 of this Act.
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