Health Share Transparency Act of 2025

Increased Financial Transparency: Ministries must disclose financial reserves, claim denial percentages, and average out-of-pocket expenses (Section 2(b)), which helps people understand the financial health and reliability of the ministry.

Clearer Enrollment Information: Prospective members must be told that there is no guarantee of reimbursement for claims and must be informed of any lifetime caps on sharing (Section 2(c)(1)(C)).

Better Access to Government Options: Entities enrolling individuals must explain available tax credits for qualified health plans (Section 2(d)(1)) and eligibility for State plans or Medicare (Section 2(d)(2)).

Public Complaint Tracking: The Federal Trade Commission will publicly disclose the number and category of consumer complaints, including the names of the ministries involved (Section 2(b)(1)).

Simplified Understanding of Benefits: Ministries must provide a list of items and services that are not available for reimbursement and any conditions that make a service nonreimbursable (Section 2(c)(1)(G)).

Limited Appeal Recourse: The bill requires disclosure that appeals for coverage determinations may not be available to any entity other than the ministry itself (Section 2(c)(1)(A)).

Mandatory Arbitration: The bill requires ministries to disclose if an enrollee must use arbitration rather than other legal recourse to appeal a coverage determination (Section 2(c)(1)(B)).