119th (2025–2027)
H.R. 9117
The CHECK Act of 2026 requires healthcare administrative service providers, health insurers, and medical providers to dramatically increase transparency about costs and payments. Healthcare administrators must disclose detailed pricing information, fees, and rebates to group health plans and self-funded government plans quarterly at no cost starting two years after the law takes effect, while providers must furnish patients with detailed explanations of benefits within 45 days and itemized bills within 30 days that clearly explain charges and cost-sharing responsibilities. The law establishes strong enforcement mechanisms, including $100,000 daily penalties for non-compliance, and prohibits providers from collecting unpaid bills if they fail to provide required disclosures or if charges exceed previously quoted estimates. These requirements apply across all major health insurance systems and are designed to help patients and health plans understand healthcare costs and prevent unexpected billing surprises.