Health Share Transparency Act of 2025

The Health Share Transparency Act of 2025 requires health care sharing ministries to annually submit detailed financial and operational data - including reserves, claim denial rates, and provider contracts - to federal agencies like the Health and Human Services Department, IRS, and Consumer Financial Protection Bureau. This information must be published on a public website for consumer access. The bill also mandates that ministries provide clear, plain-language disclosures to prospective and current members about coverage limitations, the absence of reimbursement guarantees, and comparisons to traditional health insurance. Additionally, it requires enrollment entities to explain available tax credits and government health program options to potential members, and the Federal Trade Commission must publicly report consumer complaints about these ministries twice yearly.