TRANSPARENCY REGARDING IN-NETWORK AND OUT-OF-NETWORK DEDUCTIBLES AND OUT-OF-POCKET LIMITATIONS.

SEC. 107. TRANSPARENCY REGARDING IN-NETWORK AND OUT-OF-NETWORK DEDUCTIBLES AND OUT-OF-POCKET LIMITATIONS. (a) [42 U.S.C. 300gg-111] Phsa.—Section 2799A-1 of the Public Health Service Act, as added by section 102(a) and amended by section 103, is further amended by adding at the end the following new subsection: “(e) Transparency Regarding In-network and Out-of-network Deductibles and Out-of-pocket Limitations.—A group health plan or a health insurance issuer offering group or individual health insurance coverage and providing or covering any benefit with respect to items or services shall include, in clear writing, on any physical or electronic plan or insurance identification card issued to the participants, beneficiaries, or enrollees in the plan or coverage the following: “(1) Any deductible applicable to such plan or coverage. “(2) Any out-of-pocket maximum limitation applicable to such plan or coverage. “(3) A telephone number and Internet website address through which such individual may seek consumer assistance information, such as information related to hospitals and urgent care facilities that have in effect a contractual relationship with such plan or coverage for furnishing items and services under such plan or coverage” . (b) [29 U.S.C. 1185e] Erisa.—Section 716 of the Employee Retirement Income Security Act of 1974, as added by section 102(b) and amended by section 103, is further amended by adding at the end the following new subsection: “(e) Transparency Regarding In-network and Out-of-network Deductibles and Out-of-pocket Limitations.—A group health plan or a health insurance issuer offering group health insurance coverage and providing or covering any benefit with respect to items or services shall include, in clear writing, on any physical or electronic plan or insurance identification card issued to the participants or beneficiaries in the plan or coverage the following: “(1) Any deductible applicable to such plan or coverage. “(2) Any out-of-pocket maximum limitation applicable to such plan or coverage. “(3) A telephone number and Internet website address through which such individual may seek consumer assistance information, such as information related to hospitals and urgent care facilities that have in effect a contractual relationship with such plan or coverage for furnishing items and services under such plan or coverage” . (c) [26 U.S.C. 9816] Irc.—Section 9816 of the Internal Revenue Code of 1986, as added by section 102(c) and amended by section 103, is further amended by adding at the end the following new subsection: “(e) Transparency Regarding In-network and Out-of-network Deductibles and Out-of-pocket Limitations.—A group health plan providing or covering any benefit with respect to items or services shall include, in clear writing, on any physical or electronic plan or insurance identification card issued to the participants or beneficiaries in the plan the following: “(1) Any deductible applicable to such plan. “(2) Any out-of-pocket maximum limitation applicable to such plan. “(3) A telephone number and Internet website address through which such individual may seek consumer assistance information, such as information related to hospitals and urgent care facilities that have in effect a contractual relationship with such plan for furnishing items and services under such plan.” . (d) [26 U.S.C. 9816 note] Effective Date.—The amendments made by this subsection shall apply with respect to plan years beginning on or after January 1, 2022.