TRUTH in Coverage Act of 2026

This bill would require group health plans and health insurers that cover gender transition treatments to also cover care for harms or complications of those treatments. The bill calls these treatments "sex-rejecting procedures," and they include puberty blockers, cross-sex hormones, and a list of surgeries. The required care is called "restorative care." It includes treatment for reproductive, hormonal, sexual, urinary, bone, heart, surgical, and mental health conditions, along with reconstructive surgery and therapy. Plans would have to cover this care even if they did not pay for the original procedure, and they could not charge more or set tighter limits for it than for most other medical and surgical benefits. The bill also defines "male," "female," and "sex," lists exceptions such as care for disorders of sex development, and would take effect for plan years beginning on or after January 1, 2027.

Full text and official record on Congress.gov

Sponsors

• Roger Marshall Republican sponsor
• 1 cosponsors