The TRUTH in Coverage Act of 2026 would require group and individual health insurance plans to cover medical treatments addressing complications and health effects from certain gender-affirming procedures, including puberty blockers, hormone therapy, and surgeries. Insurance plans would need to provide this "restorative care" coverage regardless of whether they originally covered the initial procedures, and these treatments must follow the same cost-sharing and coverage rules as other medical benefits without additional restrictions. The bill defines covered harms broadly to include reproductive dysfunction, hormonal issues, psychiatric conditions, and other health complications, while carving out exceptions for treating intersex conditions, infections from previous injuries, life-threatening emergencies, and other specified medical situations. The mandate would take effect for health plans beginning on January 1, 2027, and applies to both group coverage and individual insurance sold under federal health insurance laws.