H.R. 9743: Treatment and Restoration Uniformity and Transparency in Health Coverage Act of 2026

This bill would require many health plans that cover certain “sex-rejecting procedures” to also cover treatment for harms that result from those procedures. The required follow-up care would have to be provided without additional cost-sharing and without stricter limits than the plan places on comparable care.

What procedures are covered

The bill identifies a set of procedures it treats as “sex-rejecting procedures.” These appear to include medical or surgical treatments intended to change or suppress sex characteristics or sex-related traits. The bill also defines several sex-based terms so those terms are used consistently in the law.

What plans would have to do

If a health plan covers any of the listed procedures, it would also need to cover care to address resulting harms. That restorative care would need to be covered:

• at no extra cost to the patient beyond what applies to the plan generally, and
• without more restrictive coverage limits than those used for similar treatments.

The bill is aimed at making sure that when a plan covers the procedures, it also covers medically necessary follow-up or corrective care if problems arise later.

Exceptions and limits

The bill includes specific exceptions to the coverage requirement, meaning not every possible service would automatically be included. It also lists the procedures it applies to and the situations in which the obligation would not apply.

Which health plans are affected

The requirement would apply to health plans governed by:

• the Public Health Service Act,
• ERISA employee benefit plans, and
• the Internal Revenue Code rules for group health plans.

In practical terms, this means the bill could affect a wide range of employer-sponsored private health plans and other regulated health coverage arrangements.

When it would take effect

The bill would apply starting January 1, 2027.

Relevant Companies

None found