Bills · HR 3103
IN COMMITTEE· 119TH CONGRESS
House BillHR 3103Health
Health Share Transparency Act of 2025
INTRO APR 30· LAST ACTION APR 30
READING
8MIN
COSPONSORS
8
READER REACTIONS0 TOTAL
NO VOTES YET · BE THE FIRST
- Introduced only
LEGISLATIVE PROGRESS
STEP 2 / 8Introduced
In Committee
Reported
Passed House
Passed Senate
Conference
To President
Became Law
WHAT THE BILL DOES
AI-writtenThis bill matters because it addresses a lack of transparency often associated with health care sharing ministries. Many people join these ministries seeking affordable alternatives to traditional health insurance, sometimes without fully understanding how they differ, such as the lack of guarantees for claim payments or consumer protections. If this bill becomes law, individuals would have access to clear, standardized information, both from the ministries directly and publicly via a government website, allowing them to compare options and understand potential risks before making a commitment. This could prevent unexpected medical bills or difficult situations when claims are denied.
If the bill doesn't pass, the current situation would continue, where transparency levels vary greatly among ministries, and individuals might not receive comprehensive, easily understandable information about their coverage or other available healthcare choices. This bill aims to empower consumers to make more informed decisions about their healthcare by providing the critical details they need.
KEY PROVISIONS
5AI-extractedPROVISION 01
Requires health care sharing ministries to submit annual financial and operational reports to HHS, IRS, and BCFP.
This ensures government oversight and public access to key data about the ministries' financial health and claim handling.
PROVISION 02
Mandates that ministries clearly disclose critical information to current and prospective members, including how appeals work, lack of guaranteed payments, and any lifetime caps.
This provides consumers with essential details to understand the nature of their coverage and potential financial risks before joining.
PROVISION 03
Requires information to enrollees to be prominently displayed, in multiple languages, immediately before enrollment, and in at least 14-point font.
This ensures that critical disclosures are easily accessible and understandable to a diverse group of potential members.
PROVISION 04
Stipulates that entities enrolling individuals into ministries must also inform them about tax credits for marketplace plans and eligibility for Medicaid or Medicare.
This ensures individuals are aware of all available health coverage options, not just health care sharing ministries.
PROVISION 05
Requires HHS to publish the annually submitted financial and operational information on a public website.
This increases public transparency and allows consumers and researchers to compare different health care sharing ministries.
SPONSORSHIP
1 + 8
D· California
YRS IN OFFICE
13
BILLS LED
29
COSPONSOR BREAKDOWNBIPARTISAN · 0%
DEM 8 REP 0 IND 0
ACTION TIMELINE
2 EVENTSAPR 30
Introduced in House
APR 30
Referred to the House Committee on Energy and Commerce.
BILL INFO
TypeHouse Bill
NumberHR 3103
Congress119th
StatusIn Committee
IntroducedApr 30, 2025
Last actionApr 30, 2025
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IN COMMITTEE· 119TH CONGRESS · ENERGY AND COMMERCE COMMITTEE · INTRODUCED APR 30, 2025
House BillHR 3103Health
Health Share Transparency Act of 2025
INTRODUCED APR 30, 2025· LAST ACTION APR 30, 2025
PASSAGE CHANCES
—%
READING
8 min
COSPONSORS
8
COMPLEXITY
Moderate
