,i #aaith ,,congress #ast ,session ,h4 ,r4 #cajc ,,in ,,the ,,house ,,of ,,representatives ,april #cj1 #bjbe,mr4 ,huffman 7for himself1 ,mr4 ,raskin1 ,mr4 ,casten1 ,ms4 ,norton1 ,ms4 ,tlaib1 ,mr4 ,pocan1 ,mr4 ,moulton1 ,mr4 ,cohen1 and ,mr4 ,frost7 introduced the following bill2 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 ministries1 and for other purposes4 #a4 ,short title ,this ,act may be cited as the ,health ,share ,transparency ,act of #bjbe4 #b4 ,establishing requirements for the disclosure of certain information relating to health care sharing ministries 7a7 ,in general ,title ,,xxvii of the ,public ,health ,service ,act 7#db ,u4,s4,c4 #cjj;gg et seq47 is amended by adding at the end the following new part3 ,f ,health ,care ,sharing ,ministries #bgii;,c-#a4 ,disclosure of information 7a7 ,in general ,a health care sharing ministry 7as defined in section #ejjj;,a7d77#b77;,b77ii7 of the ,internal ,revenue ,code of #aihf7-- 7#a7 shall1 not less frequently than annually1 submit to the ,secretary1 the ,commissioner of ,internal ,revenue1 and the ,director of the ,bureau of ,consumer ,financial ,protection the information described in subsection 7b72 7#b7 shall disclose to each individual seeking to enroll in the ministry1 and each individual so enrolled1 the information described in paragraph 7#a7 of subsection 7c7 in the manner specified in paragraph 7#b7 of such subsection2 and 7#c7 may not enter into a contract with an entity for purposes of enrolling an individual in such ministry1 or otherwise provide remuneration to such an entity in exchange for enrolling an individual in such ministry1 unless such entity meets the requirements described in subsection 7d74 7b7 ,disclosure of financial and appeals information 7#a7 ,in general ,for purposes of subsection 7a77#a71 the information described in this subsection is1 with respect to a health care sharing ministry1 the following3 7,a7 ,the amount of financial reserves held by such ministry4 7,b7 ,the ratio of the amount of money collected from enrollees for purposes of reimbursing enrollees for medical claims that is expended by such ministry on costs described in paragraphs 7#a7 and 7#b7 of section #bgah7;a7 to the total amount of money so collected for the preceding year4 7,c7 ,the number of individuals enrolled in such ministry4 7,d7 ,the total amount paid by individuals enrolled in such ministry for coverage under such ministry over the preceding year4 7,e7 ,the total amount paid by such ministry for items and services for which benefits were available under such ministry over the preceding year4 7,f7 ,the average out-of-pocket expenses incurred by individuals enrolled under such ministry for items and services for which benefits are available under such ministry over the preceding year4 7,g7 ,a list of each ,state and county in which individuals who reside in such ,state or county may enroll in such ministry4 7,h7 ,the percentage of claims made under such ministry during the preceding year which were denied4 7,i7 ,contact information for the operator 7or a representative of the operator7 of such ministry4 7,j7 ,a specification of each health care provider with which such ministry has in effect a contractual relationship for furnishing items and services under such ministry4 7,k7 ,the average amount of time such ministry took to reimburse a claim once submitted to such ministry during the preceding year4 7#b7 ,publication ,the ,secretary shall publish the information submitted under subsection 7a77#a7 on a public website4 7c7 ,disclosure of information to prospective and current enrollees 7#a7 ,in general ,for purposes of subsection 7a77#b71 the information described in this paragraph is1 with respect to a health care sharing ministry1 the following3 7,a7 ,how an enrollee may file a complaint or appeal a coverage determination1 including a disclaimer that appeals may not be available to any entity other than such ministry4 7,b7 ,whether an enrollee must use arbitration in appealing a coverage determination or has other legal recourse4 7,c7 ,an explanation that1 unlike a group health plan or health insurance coverage1 there is no guarantee that an enrollee will be reimbursed for any portion of claims submitted to such ministry1 as well as a specification of whether any lifetime caps on health care sharing per enrollee are imposed under such ministry4 7,d7 ,the information described in subsection 7b77#a77;,f74 7,e7 ,the average amount paid per enrollee to such ministry for membership under such ministry over the preceding year4 7,f7 ,with respect to claims made during the preceding year for items and services for which benefits were available under such ministry1 the total amount paid by such ministry for such claims compared and the total amount for which individuals enrolled under such ministry were responsible in cost sharing4 7,g7 ,a list of all items and services for which reimbursement is not available under such ministry1 as well as1 with respect to each item or service for which such reimbursement is so available1 a specification of any conditions that would render such item or service nonreimbursable4 7,h7 ,a list of any other requirements imposed on claims submitted for health care sharing under such ministry4 7#b7 ,manner of disclosure ,for purposes of subsection 7a77#b71 information described in paragraph 7#a7 shall be-- 7,a7 disclosed in a prominent manner2 7,b7 made available in multiple langauges2 7,c7 provided immediately before enrollment of any individual in a health care sharing ministry2 and 7,d7 be written in at least #ad point font 7or1 if such enrollment is being made over the phone1 be read out loud74 7d7 ,entity requirements ,for purposes of subsection 7a77#c71 the requirements described in this subsection are1 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 7or otherwise receiving remuneration from such ministry in exchange for enrolling an individual in such ministry71 that such entity provides to such individual-- 7#a7 an explanation of any tax credit that may be available to such individual under section #cf;,b of the ,internal ,revenue ,code of #aihf to purchase a qualified health plan 7as defined in section #acja7;a7 of the ,patient ,protection and ,affordable ,care ,act7 through an ,exchange established pursuant to such ,act2 7#b7 if such individual qualifies to enroll under a ,state plan 7or waiver of such plan7 under title ,,xix of the ,social ,security ,act1 or if such individual is entitled to benefits under part ,a or eligible to enroll under part ,b of title ,,xviii of such ,act1 an explanation of such qualification1 entitlement1 or eligibility2 7#c7 an explanation of the types of benefits required to be provided under such plans and other protections applicable under such plans 7such as limitations on cost sharing7 compared to the benefits provided1 and cost-sharing requirements imposed1 under such ministry2 and 7#d7 an explanation that such ministry is not a group health plan or health insurance coverage and that benefits provided under such ministry are not guaranteed4 7e7 ,enforcement ,in the case that the ,secretary determines that a health care sharing ministry has failed to meet a requirement of this section1 the ,secretary may impose a civil monetary penalty on such ministry in an amount not to exceed #ajj for each day for each individual with respect to which such a failure occurs4 ,the provisions of subparagraphs 7,c7 through 7,g7 of paragraph 7#b7 of section #bgbc shall apply to a civil monetary penalty imposed under this subsection in the same manner as such provisions apply to a civil monetary penalty imposed under such section4 7f7 ,definitions ,for purposes of this section1 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 ministry4 4 7b7 ,disclosures by ,federal ,trade ,commission regarding consumer complaints 7#a7 ,in general ,not later than ,january #a and ,july #a of each year1 the ,federal ,trade ,commission shall publicly disclose on the ,internet website of the ,commission1 and transmit to the ,secretary of ,health and ,human ,services and the ,commissioner of ,internal ,revenue-- 7,a7 the number of consumer complaints regarding health care sharing ministries 7as defined in section #ejjj;,a7d77#b77;,b77ii7 of the ,internal ,revenue ,code of #aihf7 received by the ,commission during the period covered by the disclosure2 7,b7 the general categories 7as determined by the ,commission7 of the complaints described in subparagraph 7,a72 and 7,c7 with respect to each complaint described in subparagraph 7,a7-- 7i7 the name of the health care sharing ministry against which the complaint was made2 and 7ii7 such details as the ,commission considers appropriate regarding the ownership1 operation1 and executive leadership of such ministry4 7#b7 ,timing of initial disclosure ,paragraph 7#a7 shall apply beginning on the ,january #a or ,july #a that first occurs after the date that is #ij days after the date of the enactment of this ,act4