SEC. 2. ESTABLISHING REQUIREMENTS FOR THE DISCLO-
SURE 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 add-
ing 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 Inter-
nal Revenue, and the Director of the Bureau of Con-
sumer Financial Protection the information de-
scribed in subsection (b); 
‘‘(2) shall disclose to each individual seeking to 
enroll in the ministry, and each individual so en-
rolled, 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 enti-
ty for purposes of enrolling an individual in such 
ministry, or otherwise provide remuneration to such 
an entity in exchange for enrolling an individual in 
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such ministry, unless such entity meets the require-
ments described in subsection (d). 
‘‘(b) DISCLOSURE OF FINANCIAL AND APPEALS IN-
FORMATION.— 
‘‘(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 reim-
bursing enrollees for medical claims that is ex-
pended 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 min-
istry for items and services for which benefits 
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were available under such ministry over the pre-
ceding year. 
‘‘(F) The average out-of-pocket expenses 
incurred by individuals enrolled under such 
ministry for items and services for which bene-
fits 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 sub-
mitted to such ministry during the preceding 
year. 
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‘‘(2) PUBLICATION.—The Secretary shall pub-
lish 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 arbi-
tration 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 reim-
bursed for any portion of claims submitted to 
such ministry, as well as a specification of 
whether any lifetime caps on health care shar-
ing per enrollee are imposed under such min-
istry. 
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‘‘(D) The information described in sub-
section (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 min-
istry, the total amount paid by such ministry 
for such claims compared and the total amount 
for which individuals enrolled under such min-
istry 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 nonreim-
bursable. 
‘‘(H) A list of any other requirements im-
posed on claims submitted for health care shar-
ing under such ministry. 
‘‘(2) MANNER OF DISCLOSURE.—For purposes 
of subsection (a)(2), information described in para-
graph (1) shall be— 
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‘‘(A) disclosed in a prominent manner; 
‘‘(B) made available in multiple langauges; 
‘‘(C) provided immediately before enroll-
ment 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 sub-
section (a)(3), the requirements described in this sub-
section 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 re-
ceiving 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 
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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 Commis-
sion 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 re-
garding health care sharing ministries (as de-
fined in section 5000A(d)(2)(B)(ii) of the Inter-
nal 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 de-
scribed in subparagraph (A)— 
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(i) the name of the health care shar-
ing ministry against which the complaint 
was made; and 
(ii) such details as the Commission 
considers appropriate regarding the owner-
ship, operation, and executive leadership of 
such ministry. 
(2) TIMING
OF
INITIAL
DISCLOSURE.—Para-
graph (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. 
Æ 
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