Transparency in Coverage was finalized in 2020 by the Departments of Health and Human Services, Labor and the Treasury. Its machine-readable file requirements took effect for plan years beginning on or after January 1, 2022, with enforcement starting July 1, 2022.
The rule applies to most non-grandfathered group health plans and to issuers in the individual and group markets. Alongside the MRFs, it also requires plans to give members personalized cost-sharing estimates through an online tool.