The TRUTH in Coverage Act of 2026 would require group health plans and health insurance issuers offering group or individual coverage to provide benefits for medical treatments and services addressing complications and harms from what the bill defines as "sex-rejecting procedures." If a health plan covers such procedures, it must also cover related restorative and therapeutic care, including physical therapy, mental health services, fertility treatments, surgical corrections for complications, and hormone management. The bill defines sex-rejecting procedures broadly to include puberty blockers, hormone treatments at certain dosages, and various surgeries, while carving out exceptions for treating disorders of sex development, medical emergencies, and precocious puberty treatment. Cost-sharing and coverage limits for restorative care would be required to match those applied to other medical and surgical benefits, with no separate restrictions allowed. The bill amends multiple federal insurance laws covering employer-sponsored plans and individual coverage, with an effective date of January 1, 2027. No specific funding is allocated in the legislation.