CMSProposed Rule

Transparency in Coverage CMS-9882-P

HealthcareFinance & Banking

Summary

This rule requires health insurance companies and healthcare providers to be more transparent about what medical services actually cost before you receive them. The goal is to help people understand their bills ahead of time and compare prices between different providers, so they can make better decisions about their healthcare.

Key Points

  • 1Insurance companies must provide clear, upfront information about what patients will pay for medical services, including deductibles, copays, and coinsurance
  • 2Healthcare providers must share pricing information with insurance companies so that accurate cost estimates can be given to patients
  • 3Patients will be able to shop around and compare prices between different hospitals and doctors to find more affordable options
  • 4The rule applies to most health insurance plans and medical providers across the country
  • 5Insurance companies and providers have until February 24, 2026 to submit feedback before the final rule is decided

Impact Assessment

If you are a consumer, this means you can now see the actual cost of medical services before you receive care, helping you compare prices and avoid surprise bills.

Impact Level
Significant
Geographic Scope

National

Compliance Cost

Significant

Who is Affected
Healthcare ProvidersConsumersFinancial Institutions

Key Dates

Published

December 23, 2025

Comment Deadline

February 24, 2026

Google Cal

Regulatory Connections

Amends CFR Sections
45 CFR Part 14745 CFR Part 158

This summary is for informational purposes only. It may not capture all nuances of the regulation. Always refer to the official text for authoritative information.

AI Comment Drafter

Describe your concern and we'll help you draft a substantive comment.

AI-generated draft. Always review and edit before submitting. Replace all [bracketed placeholders] with your specific details. Your comment should reflect your genuine views and experience.