I 

118TH CONGRESS 

1ST SESSION H. R. 6302 

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 

NOVEMBER 8, 2023 

Mr. HUFFMAN (for himself, Mr. RASKIN, Mr. POCAN, Mr. CASTEN, and Ms. 

NORTON) 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. 

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled, 

3 SECTION 1. SHORT TITLE. 

4 This Act may be cited as the ‘‘Health Share Trans5 parency Act of 2023’’. 


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1 SEC. 2. ESTABLISHING REQUIREMENTS FOR THE DISCLO2 SURE OF CERTAIN INFORMATION RELATING 

3 TO HEALTH CARE SHARING MINISTRIES. 

4 (a) IN GENERAL.—Title XXVII of the Public Health 

5 Service Act (42 U.S.C. 300gg et seq.) is amended by add6 ing at the end the following new part: 

7 ‘‘PART F—HEALTH CARE SHARING MINISTRIES 

8 ‘‘SEC. 2799C–1. DISCLOSURE OF INFORMATION. 

9 ‘‘(a) IN GENERAL.—A health care sharing ministry 

10 (as defined in section 5000A(d)(2)(B)(ii) of the Internal 

11 Revenue Code of 1986)— 

12 ‘‘(1) shall, not less frequently than annually, 

13 submit to the Secretary, the Commissioner of Inter14 nal Revenue, and the Director of the Bureau of Con15 sumer Financial Protection the information de16 scribed in subsection (b); 

17 ‘‘(2) shall disclose to each individual seeking to 

18 enroll in the ministry, and each individual so en19 rolled, the information described in paragraph (1) of 

20 subsection (c) in the manner specified in paragraph 

21 (2) of such subsection; and 

22 ‘‘(3) may not enter into a contract with an enti23 ty for purposes of enrolling an individual in such 

24 ministry, or otherwise provide remuneration to such 

25 an entity in exchange for enrolling an individual in 


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1 such ministry, unless such entity meets the require2 ments described in subsection (d). 

3 ‘‘(b) DISCLOSURE OF FINANCIAL AND APPEALS IN4 FORMATION.— 

5 ‘‘(1) IN GENERAL.—For purposes of subsection 

6 (a)(1), the information described in this subsection 

7 is, with respect to a health care sharing ministry, 

8 the following: 

9 ‘‘(A) The amount of financial reserves held 

10 by such ministry. 

11 ‘‘(B) The ratio of the amount of money 

12 collected from enrollees for purposes of reim13 bursing enrollees for medical claims that is ex14 pended by such ministry on costs described in 

15 paragraphs (1) and (2) of section 2718(a) to 

16 the total amount of money so collected for the 

17 preceding year. 

18 ‘‘(C) The number of individuals enrolled in 

19 such ministry. 

20 ‘‘(D) The total amount paid by individuals 

21 enrolled in such ministry for coverage under 

22 such ministry over the preceding year. 

23 ‘‘(E) The total amount paid by such min24 istry for items and services for which benefits 


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1 were available under such ministry over the pre2 ceding year. 

3 ‘‘(F) The average out-of-pocket expenses 

4 incurred by individuals enrolled under such 

5 ministry for items and services for which bene6 fits are available under such ministry over the 

7 preceding year. 

8 ‘‘(G) A list of each State and county in 

9 which individuals who reside in such State or 

10 county may enroll in such ministry. 

11 ‘‘(H) The percentage of claims made under 

12 such ministry during the preceding year which 

13 were denied. 

14 ‘‘(I) Contact information for the operator 

15 (or a representative of the operator) of such 

16 ministry. 

17 ‘‘(J) A specification of each health care 

18 provider with which such ministry has in effect 

19 a contractual relationship for furnishing items 

20 and services under such ministry. 

21 ‘‘(K) The average amount of time such 

22 ministry took to reimburse a claim once sub23 mitted to such ministry during the preceding 

24 year. 


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1 ‘‘(2) PUBLICATION.—The Secretary shall pub2 lish the information submitted under subsection 

3 (a)(1) on a public website. 

4 ‘‘(c) DISCLOSURE OF INFORMATION TO PROSPECTIVE

5 AND CURRENT ENROLLEES.— 

6 ‘‘(1) IN GENERAL.—For purposes of subsection 

7 (a)(2), the information described in this paragraph 

8 is, with respect to a health care sharing ministry, 

9 the following: 

10 ‘‘(A) How an enrollee may file a complaint 

11 or appeal a coverage determination, including a 

12 disclaimer that appeals may not be available to 

13 any entity other than such ministry. 

14 ‘‘(B) Whether an enrollee must use arbi15 tration in appealing a coverage determination 

16 or has other legal recourse. 

17 ‘‘(C) An explanation that, unlike a group 

18 health plan or health insurance coverage, there 

19 is no guarantee that an enrollee will be reim20 bursed for any portion of claims submitted to 

21 such ministry, as well as a specification of 

22 whether any lifetime caps on health care shar23 ing per enrollee are imposed under such min24 istry. 


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1 ‘‘(D) The information described in sub2 section (b)(1)(F). 

3 ‘‘(E) The average amount paid per enrollee 

4 to such ministry for membership under such 

5 ministry over the preceding year. 

6 ‘‘(F) With respect to claims made during 

7 the preceding year for items and services for 

8 which benefits were available under such min9 istry, the total amount paid by such ministry 

10 for such claims compared and the total amount 

11 for which individuals enrolled under such min12 istry were responsible in cost sharing. 

13 ‘‘(G) A list of all items and services for 

14 which reimbursement is not available under 

15 such ministry, as well as, with respect to each 

16 item or service for which such reimbursement is 

17 so available, a specification of any conditions 

18 that would render such item or service nonreim19 bursable. 

20 ‘‘(H) A list of any other requirements im21 posed on claims submitted for health care shar22 ing under such ministry. 

23 ‘‘(2) MANNER OF DISCLOSURE.—For purposes 

24 of subsection (a)(2), information described in para25 graph (1) shall be— 


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1 ‘‘(A) disclosed in a prominent manner; 

2 ‘‘(B) made available in multiple langauges; 

3 ‘‘(C) provided immediately before enroll4 ment of any individual in a health care sharing 

5 ministry; and 

6 ‘‘(D) be written in at least 14 point font 

7 (or, if such enrollment is being made over the 

8 phone, be read out loud). 

9 ‘‘(d) ENTITY REQUIREMENTS.—For purposes of sub10 section (a)(3), the requirements described in this sub11 section are, with respect to an entity with a contract in 

12 effect with a health care sharing ministry for purposes of 

13 enrolling an individual in such ministry (or otherwise re14 ceiving remuneration from such ministry in exchange for 

15 enrolling an individual in such ministry), that such entity 

16 provides to such individual— 

17 ‘‘(1) an explanation of any tax credit that may 

18 be available to such individual under section 36B of 

19 the Internal Revenue Code of 1986 to purchase a 

20 qualified health plan (as defined in section 1301(a) 

21 of the Patient Protection and Affordable Care Act) 

22 through an Exchange established pursuant to such 

23 Act; 

24 ‘‘(2) if such individual qualifies to enroll under 

25 a State plan (or waiver of such plan) under title 


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1 XIX of the Social Security Act, or if such individual 

2 is entitled to benefits under part A or eligible to en3 roll under part B of title XVIII of such Act, an ex4 planation of such qualification, entitlement, or eligi5 bility; 

6 ‘‘(3) an explanation of the types of benefits re7 quired to be provided under such plans and other 

8 protections applicable under such plans (such as lim9 itations on cost sharing) compared to the benefits 

10 provided, and cost-sharing requirements imposed, 

11 under such ministry; and 

12 ‘‘(4) an explanation that such ministry is not a 

13 group health plan or health insurance coverage and 

14 that benefits provided under such ministry are not 

15 guaranteed. 

16 ‘‘(e) ENFORCEMENT.—In the case that the Secretary 

17 determines that a health care sharing ministry has failed 

18 to meet a requirement of this section, the Secretary may 

19 impose a civil monetary penalty on such ministry in an 

20 amount not to exceed $100 for each day for each indi21 vidual with respect to which such a failure occurs. The 

22 provisions of subparagraphs (C) through (G) of paragraph 

23 (2) of section 2723 shall apply to a civil monetary penalty 

24 imposed under this subsection in the same manner as such 


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1 provisions apply to a civil monetary penalty imposed under 

2 such section. 

3 ‘‘(f) DEFINITIONS.—For purposes of this section, the 

4 Secretary may specify the meaning of any term used in 

5 relation to a health care sharing ministry and clarify the 

6 applicability of such term to such a ministry.’’. 

7 (b) DISCLOSURES BY FEDERAL TRADE COMMISSION

8 REGARDING CONSUMER COMPLAINTS.— 

9 (1) IN GENERAL.—Not later than January 1 

10 and July 1 of each year, the Federal Trade Commis11 sion shall publicly disclose on the internet website of 

12 the Commission, and transmit to the Secretary of 

13 Health and Human Services and the Commissioner 

14 of Internal Revenue— 

15 (A) the number of consumer complaints re16 garding health care sharing ministries (as de17 fined in section 5000A(d)(2)(B)(ii) of the Inter18 nal Revenue Code of 1986) received by the 

19 Commission during the period covered by the 

20 disclosure; 

21 (B) the general categories (as determined 

22 by the Commission) of the complaints described 

23 in subparagraph (A); and 

24 (C) with respect to each complaint de25 scribed in subparagraph (A)— 


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1 (i) the name of the health care shar2 ing ministry against which the complaint 

3 was made; and 

4 (ii) such details as the Commission 

5 considers appropriate regarding the owner6 ship, operation, and executive leadership of 

7 such ministry. 

8 (2) TIMING OF INITIAL DISCLOSURE.—Para9 graph (1) shall apply beginning on the January 1 or 

10 July 1 that first occurs after the date that is 90 

11 days after the date of the enactment of this Act. 

Æ 


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