TRUTH in Coverage Act of 2026

The TRUTH in Coverage Act of 2026 requires group health plans and health insurance issuers that cover gender-affirming procedures to also cover medical services aimed at treating the physical and psychological harms caused by those procedures. This mandate applies regardless of whether the original procedure was covered under the plan and ensures that follow-up care has the same cost-sharing rules and limitations as other standard medical benefits. The bill defines "sex-rejecting procedures" broadly to include hormone therapy, surgeries, and puberty blockers, while explicitly excluding treatments for intersex conditions, precocious puberty, and emergency care. Coverage for these restorative services would become effective for plan years starting on or after January 1, 2027.