The Health Share Transparency Act of 2025 requires health care sharing ministries—religious or nonprofit organizations that help members pay medical expenses—to disclose detailed financial and operational information to federal regulators and the public. Specifically, these ministries must annually report their financial reserves, claim denial rates, enrollment numbers, average reimbursement times, and lists of covered and excluded services to the Department of Health and Human Services, IRS, and Consumer Financial Protection Bureau. The bill also requires ministries to provide prospective and current members with clear disclosures about their coverage before enrollment, including prominent warnings that unlike health insurance, these ministries provide no guarantee of reimbursement and may deny claims. Additionally, any company that enrolls people in these ministries must inform them about alternative coverage options such as marketplace insurance and Medicaid eligibility. The bill establishes civil penalties of up to $100 per day per individual for non-compliance, and the Federal Trade Commission must publicly report consumer complaints about these ministries twice yearly.
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