Health Share Transparency Act of 2025

This bill would make health care sharing ministries give people clear, easy-to-read information before they join and every year after. Ministries would have to tell you, in plain language, that they are not insurance and that paybacks are not guaranteed. They must also share things like how to file a complaint or appeal, whether you must use arbitration, what services are not covered, average out-of-pocket costs, and any limits like lifetime caps. This info must be shown prominently, in multiple languages, before you enroll, and in at least 14-point font (or read aloud by phone) .

Ministries would have to report annual data to the government, including how much money they collect and pay out, how many people are enrolled, the share of claims they deny, how long reimbursements take, where they operate, and contact info. The Department of Health and Human Services would post this on a public website so consumers can compare ministries. If a ministry breaks the rules, it could face fines of up to $100 per day per affected person .

If a third-party helps enroll you, they would need to tell you about possible ACA marketplace tax credits, if you might qualify for Medicaid or Medicare, how those benefits and protections compare to the ministry, and that ministry payments are not guaranteed. The Federal Trade Commission would also post twice a year how many complaints it receives about these ministries, name the ministries involved, and share details about who runs them. This FTC reporting would start on the first January 1 or July 1 that happens at least 90 days after the law takes effect.

Key points

• Who is affected: People considering or enrolled in health care sharing ministries; the ministries themselves; third-party enrollment agents .
• What changes: Clear disclosures before enrollment; yearly public reporting on finances, denials, and payouts; required scripts for enrollment agents; fines for violations; public complaint reporting by the FTC .
• When: FTC complaint reports begin the first January 1 or July 1 at least 90 days after enactment. Other requirements would take effect as set by the law and agency action.