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Transparency in Coverage Rule


On November 12, 2020, the Departments of Health and Human Services, Labor and the Treasury finalized the Transparency in Coverage Rule that requires health insurers and group health plans to create a member-facing price comparison tool and post publicly available machine-readable files that include in-network negotiated payment rates and historical out-of-network charges for covered items and services, including prescriptions drugs.

Please see below for additional details, timing, and applicable links.

Consumer Price Transparency Tool

  • Beginning with plan years on or after January 1, 2023, insurers and plans are required to create online consumer tools that include personalized information regarding members’ cost-sharing responsibilities for covered items and services, including prescription drugs.
  • Implementation will be phased; starting January 1, 2023, the tool must include estimates for 500 “shoppable” services.  All covered items and services must be included by January 1, 2024.

Publicly Available Machine-Readable Files

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