H.R. 9644: Medicare Advantage MLR Transparency Act

The Medicare Advantage MLR Transparency Act (H.R. 9644) is a bill introduced in the U.S. House of Representatives on July 13, 2026, by Congressman Nathaniel Moran. The bill aims to increase transparency in Medicare Advantage (MA) plans by requiring insurers to publicly disclose detailed information about how they allocate their revenue. Specifically, starting with plan years beginning on or after January 1, 2029, each MA organization must submit and post, in a consumer-friendly format, data for each plan it offers, including total revenue, amounts spent on claims, non-claims costs, and the percentage of revenue these expenditures represent. The bill also allows the Secretary of Health and Human Services to mandate the publication of this information in aggregate across all MA plans offered by the same company. Additionally, the bill proposes that certain benefit information provided electronically be presented in a standardized format to facilitate easier comparison across plans. The overall goal is to make it clearer how much of a plan's revenue is directed toward patient care versus administrative expenses or profit, thereby enabling consumers and regulators to make more informed decisions.

The Medicare Advantage MLR Transparency Act has garnered bipartisan support and was unanimously passed out of the Ways and Means Committee with a 42-0 vote. Congressman Nathaniel Moran emphasized that the bill aligns with President Trump's healthcare agenda by enhancing price transparency and insurer accountability. The legislation is seen as a significant step toward ensuring that Medicare Advantage plans allocate a fair portion of their revenue to direct patient care, thereby improving the value and quality of services provided to seniors. The bill's focus on standardized reporting and consumer-friendly disclosures is expected to empower beneficiaries to make more informed choices regarding their healthcare options.

While the Medicare Advantage MLR Transparency Act aims to increase transparency, some stakeholders express concerns about the potential administrative burden on insurers and the effectiveness of the proposed measures. Critics argue that the bill may lead to increased operational costs for Medicare Advantage organizations, which could be passed on to consumers in the form of higher premiums or reduced benefits. Additionally, there is skepticism about whether the mandated disclosures will lead to meaningful improvements in patient care or if they will merely add layers of bureaucracy without addressing underlying issues in the Medicare Advantage system. Some also question the bill's reliance on existing Medical Loss Ratio (MLR) requirements, suggesting that insurers might find ways to circumvent the intent of the legislation through accounting practices.

The analysis of H.R. 9644, the Medicare Advantage MLR Transparency Act, reveals no direct industry overlaps between the sponsor Nathaniel Moran's top donor industries and the subject matter of the bill. The primary focus of the bill is on transparency within Medicare Advantage plans, which does not appear to be influenced by the industries contributing to Moran's campaign. The lobbying activity related to this bill includes contributions from various organizations, such as the Veterans Association of Real Estate Professionals and EO Solutions LLC, but these entities do not have a clear connection to the Medicare Advantage sector. The total lobbying amounts do not indicate a significant financial influence on the bill's direction, further supporting a low risk of conflict of interest.

Organizations that lobbied on issues related to this bill's policy area.

Source: Senate Lobbying Disclosure Act (LDA) filings, 2026

Top industries funding Nathaniel Moran, ranked by total contributions.

Source: OpenSecrets.org (Center for Responsive Politics)