I 
119TH CONGRESS 
1ST SESSION H. R. 3103 
To amend title XXVII of the Public Health Service Act to establish require-
ments 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) intro-
duced 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 Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Health Share Trans-
parency Act of 2025’’. 
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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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