To amend title XXVII of the Public Health Service Act, the Employee Retirement Income Security Act of 1974, and the Internal Revenue Code of 1986 to require group health plans and health insurance issuers offering group or individual health insurance coverage that provide benefits for sex-rejecting procedures to provide benefits for items and services to address the harms caused by sex-rejecting procedures and to restore healthy human form and functioning, to the greatest extent practicable.
About This Bill
Committee
Latest Action · July 16, 2026
Referred to the Committee on Energy and Commerce, and in addition to the Committees on Education and Workforce, and Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
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.
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