TRUTH in Coverage Act of 2026
The source supplies the latest action, but no lifecycle stage.
Latest action (16 Jul 2026): Read twice and referred to the Committee on Health, Education, Labor, and Pensions.
What this bill does
The TRUTH in Coverage Act of 2026 would amend federal health insurance law—covering employer group health plans, ERISA-governed plans, and the tax code—to require that any group or individual health plan or insurer that pays for what the bill calls "sex-rejecting procedures" (a broadly defined list including puberty blockers, cross-sex hormones, and numerous surgical procedures such as mastectomy, vaginoplasty, phalloplasty, and facial feminization/masculinization surgery) must also cover items and services to address harms from those procedures, termed "restorative care." This includes treatment for reproductive, hormonal, sexual, urinary, psychological, and surgical complications, among others. Coverage for restorative care would be required regardless of whether the individual's own plan covered or paid for the original procedure, and cost-sharing and treatment limits on restorative care could not be more restrictive than those applied to other medical and surgical benefits. The bill defines "sex-rejecting procedure" broadly but excludes certain treatments, including care for diagnosed disorders of sex development, emergency treatment of physical (not solely mental) conditions, puberty-suppressing drugs for precocious puberty, and male circumcision.
The bill would primarily affect insurers and group health plans, which would face new coverage mandates, and individuals who have undergone gender-transition-related medical care, who would gain a guaranteed right to coverage for related follow-up or corrective care under covered plans.
The bill was introduced in the Senate on July 16, 2026, by Senator Roger Marshall with Senator Cynthia Lummis as a cosponsor, and referred to the Senate Committee on Health, Education, Labor, and Pensions. It has not yet been voted on by the committee or the full Senate, and would need to pass both chambers of Congress and be signed by the President to become law.
Plain-English summary generated by Bill100 AI from the official record. Always verify against the source below.
Timeline
16 Jul 2026
Read twice and referred to the Committee on Health, Education, Labor, and Pensions.
Common questions
- What does S. 5030 do?
- The TRUTH in Coverage Act of 2026 would amend federal health insurance law—covering employer group health plans, ERISA-governed plans, and the tax code—to require that any group or individual health plan or insurer that pays for what the bill calls "sex-rejecting procedures" (a broadly defined list including puberty blockers, cross-sex hormones, and numerous surgical procedures such as mastectomy, vaginoplasty, phalloplasty, and facial feminization/masculinization surgery) must also cover items and services to address harms from those procedures, termed "restorative care." This includes treatment for reproductive, hormonal, sexual, urinary, psychological, and surgical complications, among others. Coverage for restorative care would be required regardless of whether the individual's own plan covered or paid for the original procedure, and cost-sharing and treatment limits on restorative care could not be more restrictive than those applied to other medical and surgical benefits. The bill defines "sex-rejecting procedure" broadly but excludes certain treatments, including care for diagnosed disorders of sex development, emergency treatment of physical (not solely mental) conditions, puberty-suppressing drugs for precocious puberty, and male circumcision. The bill would primarily affect insurers and group health plans, which would face new coverage mandates, and individuals who have undergone gender-transition-related medical care, who would gain a guaranteed right to coverage for related follow-up or corrective care under covered plans. The bill was introduced in the Senate on July 16, 2026, by Senator Roger Marshall with Senator Cynthia Lummis as a cosponsor, and referred to the Senate Committee on Health, Education, Labor, and Pensions. It has not yet been voted on by the committee or the full Senate, and would need to pass both chambers of Congress and be signed by the President to become law.
- Has S. 5030 become law?
- The source does not supply a confirmed lifecycle stage for S. 5030. Check the latest action and official source below.
- Who sponsored S. 5030?
- S. 5030 was sponsored by Sen. Marshall, Roger [R-KS] (R-KS), with 1 cosponsor.
- What's the latest action on S. 5030?
- Read twice and referred to the Committee on Health, Education, Labor, and Pensions. (16 Jul 2026).
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