Contact Congress about H.R. 4905: Health Insurance Price Transparency Act of 2023

People could check what a medical service may cost them before getting care. Health plans and insurers would also have to post public price files showing rates and payments.

Modern Action explains what the legislation does, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.

Health Insurance Price Transparency Act of 2023 is a House bill in Congress.

Who this affects: This bill mainly affects people with private health insurance, health plans, insurers, and employers that offer health benefits. Patients would get more ways to check costs before care. Plans and insurers would have to build tools, update public files, and explain the data in plain language. Employers, researchers, regulators, and consumer groups could use the public data to compare prices and spot patterns.

Why this matters: Health care prices are often hard to know before treatment, so people can struggle to plan for bills. This bill would put more price and cost information in front of patients before they get care. It could also give employers and watchdogs better data to compare plans and spot high prices. The bill does not guarantee lower costs, but it would make more of the market visible.

Key provisions in H.R. 4905

• The bill applies to group health plans and health insurers that sell group or individual coverage. Grandfathered plans are left out of some public posting rules.
• Plans and insurers would have to give real-time estimates of what patients may owe. This starts with plan years at least two years after the bill becomes law.
• Online tools would have to work on the web and give real-time answers. People could search by billing code or plain service name, and see costs for one provider, all in-network providers, or out-of-network providers.
• Plans would have to show the main cost details before care. That includes in-network rates, the most they allow for out-of-network care, deductible progress, out-of-pocket spending, benefit limits already used, and rules like prior authorization or step therapy.
• Plans and insurers would have to post three public data files at least every three months. The files would cover in-network rates for non-drug care, average drug payments to providers, and billed and allowed amounts for out-of-network care.

How Modern Action helps you take action on H.R. 4905

You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.

Questions people ask about H.R. 4905

What is H.R. 4905?

People could check what a medical service may cost them before getting care. Health plans and insurers would also have to post public price files showing rates and payments.

How do I support or oppose H.R. 4905?

Choose support, oppose, or ask for changes on Modern Action. The action flow drafts the message for you and keeps the wording tied to this bill.

Who should I contact about H.R. 4905?

Modern Action uses your location to route the action to the congressional offices relevant to the bill and your representation.

How does Modern Action help me act on H.R. 4905?

Modern Action gives you bill-specific context, lets you choose support, opposition, or changes, and drafts a message from your position and reasons.