H.R. 9644 – Medicare Advantage MLR Transparency Act

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Updated July 14, 2026 at 4:46 PM UTC

The Medicare Advantage MLR Transparency Act amends the Social Security Act to make financial information about Medicare Advantage plans publicly available. Beginning in 2029, plan sponsors must disclose revenue, claim spending, non‑claim costs, and medical loss ratio details in an easy‑to‑understand format on their websites, and the Secretary can require aggregate reporting. The bill also standardizes the electronic presentation of benefit information to match formats used for other health plans, helping consumers compare plans more easily.

Key Provisions

Starting with plan years that begin on or after Jan. 1, 2029, Medicare Advantage (MA) organizations must submit to the Secretary and post on their public website, in a consumer‑friendly format, each plan’s total revenue, the amount and percent of that revenue spent on claims, the amount and percent spent on non‑claims costs, and the medical loss ratio (MLR) difference and its percentage of revenue.
The Secretary may also require the same information to be reported in aggregate across all of an organization’s MA plans.
For purposes of calculating these figures, references to “contracts” in existing regulations are to be read as references to “plans.”
Electronic benefit information that MA plans provide must, as soon as practicable, use the same uniform format required for group health plans and health insurers under the Public Health Service Act.

Legislative Activity

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3 earlier actions

HouseCommittee Latest Action

Ordered to be Reported in the Nature of a Substitute by the Yeas and Nays: 42 - 0.

Ways and Means Committee

July 15, 2026

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HouseIntro Referral

Introduced in House

July 13, 2026

HouseIntro Referral

Referred to the Committee on Ways and Means, and in addition to the Committee on Energy and Commerce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

Ways and Means Committee

July 13, 2026

HouseCommittee

Committee Consideration and Mark-up Session Held

Ways and Means Committee

July 15, 2026

HouseCommittee

Ordered to be Reported in the Nature of a Substitute by the Yeas and Nays: 42 - 0.

Ways and Means Committee

July 15, 2026

Bill Text

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Introduced in HouseIssued July 13, 2026

I

119th CONGRESS

2d Session

H. R. 9644

IN THE HOUSE OF REPRESENTATIVES

July 13, 2026

Mr. Moran introduced the following bill; which was referred to the Committee on Ways and Means, and in addition to the Committee on Energy and Commerce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned

A BILL

To amend title XVIII of the Social Security Act to promote transparency of Medicare Advantage plan information.

1.

Short title

This Act may be cited as the Medicare Advantage MLR Transparency Act.

2.

Promoting transparency of Medicare Advantage plan information

(a)

Overhead costs and claim payment information

Section 1857(e) of the Social Security Act (42 U.S.C. 1395w–27(e)) is amended by adding at the end the following new paragraph:

(7)

Overhead costs and claim payment information

(A)

In general

Beginning with plan years beginning on or after January 1, 2029, a contract under this section with an MA organization shall require the organization, with respect to each MA plan offered by such organization during such plan year, to submit to the Secretary and publish on the public website of such organization the following information in a consumer-friendly format specified by the Secretary:

(i)

The amount of total revenue (as determined in accordance with section 422.2420(c) of title 42, Code of Federal Regulations (or a successor regulation)) of such plan.

(ii)

The amount and percentage of such revenue expended on incurred claims (as determined in accordance with paragraphs (2) through (4) of section 422.2420(b) of title 42, Code of Federal Regulations (or a successor regulation)).

(iii)

The amount and percentage of such revenue expended on non-claims costs (as defined in section 422.2401 of title 42, Code of Federal Regulations (or a successor regulation)).

(iv)

The amount of the difference between the MLR numerator (as determined in accordance with paragraph (b) of section 422.2420 of title 42, Code of Federal Regulations (or a successor regulation)) and the MLR denominator (as determined in accordance with paragraph (c) of such section (or a successor regulation)).

(v)

The amount described in clause (iv), expressed as a percentage of such revenue.

(B)

Manner of publication

The Secretary may require information submitted and published by an MA organization under subparagraph (A), in addition to being so published and submitted at the MA plan level, to be so submitted and published in the aggregate in such manner as specified by the Secretary (such as across all MA plans offered by such organization).

(C)

Application of certain provisions

In applying section 422.2420 of title 42, Code of Federal Regulations (or a successor regulation), for purposes determining any amount or percentage under subparagraph (A), any reference to an MA contract, MSA contract, contract, or contract year shall be treated as a reference to an MA plan, MSA plan, plan, or plan year, respectively.

.

(b)

Ensuring comparability of benefit information

Section 1851(d)(2)(A)(ii) of the Social Security Act (42 U.S.C. 1395w–21(d)(2)(A)(ii)) is amended by adding at the end the following new sentence: With respect to any such information that is provided in an electronic format on or after the first day of the first plan year that begins at least 1 year after the date of the enactment of this sentence, such information shall, to the greatest extent practicable, be presented in the same uniform format applicable to information required to be made available by group health plans and health insurance issuers under section 2715 of the Public Health Service Act..