[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 10369 Introduced in House (IH)]

<DOC>






119th CONGRESS
  2d Session
                               H. R. 10369

   To amend title XVIII of the Social Security Act, and the Employee 
Retirement Income Security Act of 1974, to create certain requirements 
               with respect to pharmacy benefit managers.


_______________________________________________________________________


                    IN THE HOUSE OF REPRESENTATIVES

                           September 14, 2026

 Mr. Mackenzie (for himself, Mr. Auchincloss, Mr. Allen, Mrs. McBath, 
and Mrs. Miller of West Virginia) introduced the following bill; which 
 was referred to the Committee on Energy and Commerce, and in addition 
to the Committees on Ways and Means, and Education and Workforce, 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, and the Employee 
Retirement Income Security Act of 1974, to create certain requirements 
               with respect to pharmacy benefit managers.

    Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Net Effective Cost Transparency and 
Prescription Drug Affordability Act of 2026''.

SEC. 2. MEDICARE PART D PHARMACY BENEFIT MANAGER REFORMS.

    (a) In General.--Section 1860D-12 of the Social Security Act (42 
U.S.C. 1395w-112) is amended--
            (1) by adding at the end the following new subsections:
    ``(i) Requiring Standardized Public Bidding Process for Pharmacy 
Benefit Managers.--
            ``(1) Requiring annual bid solicitation.--For plan years 
        beginning on or after January 1, 2028, each contract entered 
        into with a PDP sponsor under this part with respect to a 
        prescription drug plan offered by such sponsor shall provide 
        that such sponsor may only enter into a contract with a 
        pharmacy benefit manager to provide pharmacy benefit management 
        services on behalf of such sponsor during such plan year if 
        such sponsor--
                    ``(A) solicits bids for such pharmacy benefit 
                management services in accordance with the process 
                under paragraph (2); and
                    ``(B) includes in the submission to the Secretary 
                under section 1860D-11(b) with respect to such plan--
                            ``(i) information sufficient to demonstrate 
                        that the sponsor accepted and considered all 
                        bids submitted by a pharmacy benefit manager 
                        containing the information described in 
                        paragraph (2)(B) in the uniform format 
                        specified by the Secretary;
                            ``(ii) the information described in 
                        paragraph (2)(B) received from each such 
                        pharmacy benefit manager in connection with 
                        each such bid; and
                            ``(iii) in the case that the bid selected 
                        at the conclusion of the process described in 
                        subparagraph (A) is not the bid with the lowest 
                        projected net effective cost, information 
                        sufficient to support a finding under paragraph 
                        (3) that the selection of the bid so selected 
                        is necessary to advance a significant 
                        programmatic interest identified by such 
                        sponsor.
            ``(2) Pharmacy benefit manager services bidding process.--
                    ``(A) In general.--For purposes of paragraph 
                (1)(A), a PDP sponsor solicits bids for pharmacy 
                benefit manager services in accordance with the process 
                described in this paragraph if the sponsor--
                            ``(i) requires each bid to contain--
                                    ``(I) the information described in 
                                subparagraph (B) in a uniform format 
                                specified by the Secretary; and
                                    ``(II) an attestation of 
                                completeness and accuracy from an 
                                officer of the PDP sponsor;
                            ``(ii) makes available at no cost to each 
                        pharmacy benefit manager submitting a bid such 
                        information, presented in a uniform format, as 
                        the Secretary determines necessary to enable 
                        the pharmacy benefit manager to submit a 
                        responsive bid, including--
                                    ``(I) projected enrollment;
                                    ``(II) historical utilization data;
                                    ``(III) formulary design 
                                parameters; and
                                    ``(IV) benefit design parameters;
                            ``(iii) accepts all bids from pharmacy 
                        benefit managers containing the information 
                        described in paragraph (2)(B) in the uniform 
                        format specified by the Secretary, without 
                        imposing any additional conditions for 
                        participation in the bidding process; and
                            ``(iv) complies with--
                                    ``(I) requirements for solicitation 
                                of multiple qualified bidders, 
                                evaluation criteria, justification 
                                procedures for limited competition or 
                                sole-source contracting, contract 
                                duration limits, enforcement 
                                mechanisms, and minimum documentation 
                                standards consistent with part 15 of 
                                subchapter C of chapter 1 of title 48, 
                                Code of Federal Regulations; and
                                    ``(II) such other requirements from 
                                the relevant provisions of chapter 33 
                                of subtitle C of subtitle I of title 
                                41, United States Code, and the 
                                regulations under chapter 1 of title 
                                48, Code of Federal Regulations, as the 
                                Secretary determines appropriate.
                    ``(B) Standardized bid contents.--For purposes of 
                subparagraph (A)(i)(I), the information described in 
                this subparagraph is, with respect to a prescription 
                drug plan offered by a PDP sponsor, a pharmacy benefit 
                manager, and a plan year, the following:
                            ``(i) The total dollar amount that the 
                        pharmacy benefit manager expects to receive in 
                        connection with services performed on behalf of 
                        the sponsor--
                                    ``(I) as bona fide service fees (as 
                                defined in section 1860D-12(h)(7)(B));
                                    ``(II) as incentive payments (as 
                                described under section 1860D-
                                12(h)(1)(A)(ii)); and
                                    ``(III) as price concessions, 
                                including rebates, discounts, and other 
                                direct or indirect remunerations 
                                received from all pharmacy and non-
                                pharmacy sources.
                            ``(ii) With respect to covered part D drugs 
                        proposed by the pharmacy benefit manager to be 
                        included on the formulary of the plan--
                                    ``(I) the aggregate expected 
                                utilization of all such drugs;
                                    ``(II) the aggregate wholesale 
                                acquisition cost for all such drugs;
                                    ``(III) the aggregate amount 
                                expected to be received by the pharmacy 
                                benefit manager, from all pharmacy and 
                                non-pharmacy sources, as price 
                                concessions, including rebates, 
                                discounts, and other direct or indirect 
                                remunerations in connection with all 
                                such drugs, displayed as a percentage 
                                of such aggregate wholesale acquisition 
                                cost;
                                    ``(IV) of the amount described in 
                                subclause (III), the aggregate amount 
                                expected to be attributable to such 
                                drugs dispensed by a pharmacy that is 
                                an affiliate (as defined in section 
                                1860D-12(h)(7)(A)) of the pharmacy 
                                benefit manager;
                                    ``(V) the aggregate net ingredient 
                                cost for all such drugs;
                                    ``(VI) the average payment to a 
                                pharmacy for dispensing all such drugs; 
                                and
                                    ``(VII) the average cost sharing, 
                                in dollars, for an enrollee in such 
                                plan with respect to all such drugs.
                            ``(iii) The projected net effective cost 
                        for such year.
                            ``(iv) With respect to the most recent 3-
                        year period for which data is available, a 
                        description of any variation between the 
                        projected net effective cost and the actual net 
                        effective cost.
                    ``(C) Public availability of data on pharmacy 
                benefit manager bids.--The Secretary shall annually 
                publish, in an aggregated, deidentified format, the 
                information described in subparagraph (B) and submitted 
                to the Secretary in accordance with paragraph 
                (1)(B)(ii).
                    ``(D) Regulations.--Not later than 180 days after 
                the date of enactment of this paragraph, the Secretary 
                shall promulgate regulations to carry out this 
                paragraph.
            ``(3) Finding of necessity to advance significant 
        programmatic interest.--For purposes of paragraph (1)(B)(iii), 
        in the case that the bid for pharmacy benefit management 
        services selected by a PDP sponsor is not the bid with the 
        lowest projected net effective cost received by such sponsor, 
        the Secretary may find that selection of such bid is necessary 
        to advance a significant programmatic interest identified by 
        such sponsor (such as the protection of beneficiary access, 
        continuity of care, network adequacy, the prevention of service 
        disruption, program integrity and fraud prevention, 
        demonstrated operational capability, or demonstrated clinical 
        outcomes) only if--
                    ``(A) the Secretary determines that--
                            ``(i) the programmatic interest identified 
                        by the sponsor materially benefits enrollees 
                        under the plan, or advances statutory program 
                        objectives;
                            ``(ii) the programmatic interest is not 
                        already reflected in the calculation of the net 
                        effective cost of the plan;
                            ``(iii) the programmatic interest cannot 
                        reasonably be achieved through selection of the 
                        bid with the lowest projected net effective 
                        cost received by the sponsor;
                            ``(iv) the importance of the programmatic 
                        interest clearly outweighs the additional cost 
                        under this part; and
                            ``(v) approval of the bid represents a 
                        reasonable and efficient use of Federal 
                        resources; and
                    ``(B) each determination under subparagraph (A) is 
                supported by documentation sufficient for congressional 
                oversight, audit, and program review purposes.
            ``(4) Treatment of sponsor acting as pbm.--
                    ``(A) In general.--In the case of a PDP sponsor 
                described in subparagraph (B) that intends to provide 
                its own pharmacy benefit management services for a 
                year, the requirements under this subsection shall 
                apply with respect to such sponsor as if such sponsor 
                were entering into a contract with a pharmacy benefit 
                manager to provide such services.
                    ``(B) PDP sponsor described.--For purposes of 
                subparagraph (A), a PDP sponsor described in this 
                subparagraph is, with respect to a year, a PDP sponsor 
                that provides pharmacy benefit management services on 
                behalf of another PDP sponsor for such year.
            ``(5) Net effective cost defined.--In this subsection, the 
        term `net effective cost' means, with respect to a prescription 
        drug plan offered by a PDP sponsor and a plan year, the total 
        cost to such sponsor of all covered part D drugs included on 
        the formulary of the plan that are furnished to all enrollees 
        in such plan for such year.
    ``(j) Enhanced Oversight of PDP Sponsors.--
            ``(1) In general.--For plan years beginning on or after 
        January 1, 2028, each contract entered into with a PDP sponsor 
        under this part with respect to a prescription drug plan 
        offered by such sponsor shall require such sponsor to--
                    ``(A) periodically submit to the Secretary, at such 
                time and in such form as the Secretary may require, 
                information sufficient to allow the Secretary to 
                compare actual cost-sharing for enrollees in the plan 
                to the cost-sharing described in the bid submitted 
                under section 1860D-11(b)(2);
                    ``(B) maintain a real-time cost-sharing tool that 
                reflects, with respect to each covered part D drug 
                included on the formulary of such plan, the actual cost 
                of such drug (net of any price concessions, including 
                rebates, discounts, and other direct or indirect 
                remunerations negotiated in connection with such drug) 
                to--
                            ``(i) the sponsor;
                            ``(ii) the Secretary; and
                            ``(iii) the enrollee; and
                    ``(C) maintain in an escrow account sufficient 
                funds to refund to enrollees in the plan any amounts 
                incorrectly collected for such year (as required under 
                section 423.294 of title 42, Code of Federal 
                Regulations (or a successor regulation)).
            ``(2) Oversight.--For plan years beginning on or after 
        January 1, 2028, the Secretary shall carry out the following 
        oversight activities with respect to PDP sponsors with a 
        contract to offer a prescription drug plan under this part:
                    ``(A) Annual audits.--
                            ``(i) In general.--The Secretary shall 
                        audit not less than one-third of all PDP 
                        sponsors with a contract to offer a 
                        prescription drug plan under this part to 
                        verify that the prescription drug coverage 
                        provided under the plan reflects the 
                        prescription drug coverage proposed to be 
                        provided under the bid submitted under section 
                        1860D-11(b)(2)(A).
                            ``(ii) Required components.--Each audit 
                        conducted under subparagraph (A) shall include 
                        an evaluation of--
                                    ``(I) the cost-sharing amounts paid 
                                by enrollees under the plan, expressed 
                                as dollar amounts, and whether such 
                                amounts are consistent with the cost-
                                sharing described in the bid submitted 
                                under section 1860D-11(b) and approved 
                                by the Secretary; and
                                    ``(II) in the case that such plan 
                                implements tiered cost-sharing, and 
                                provides for such cost-sharing to be 
                                imposed as coinsurance, whether the 
                                cost-sharing amounts paid by enrollees, 
                                expressed as dollar amounts, are 
                                consistent with (and do not exceed) the 
                                maximum allowable cost-sharing 
                                reflected in such bid (and marketed to 
                                enrollees at the time of plan 
                                selection), as determined on the basis 
                                of actual out-of-pocket costs.
                            ``(iii) Methodology.--In conducting the 
                        audits under subparagraph (A), the Secretary 
                        may use sampling and extrapolation 
                        methodologies to the extent that such 
                        methodologies are used in connection with other 
                        audits under this part.
                    ``(B) Bid reconciliation analysis.--The Secretary 
                shall periodically compare actual costs incurred in 
                connection with the plan to the projected costs 
                included in the bid submitted under section 1860D-
                11(b)(2). Such comparison shall include--
                            ``(i) a quarterly analysis of any variation 
                        between the projected and actual net effective 
                        cost (as defined in subsection (i)(5)); and
                            ``(ii) an analysis of the impact of any 
                        mid-year formulary changes on the cost-sharing 
                        of enrollees in the plan.
                    ``(C) Risk-based monitoring.--
                            ``(i) In general.--If, pursuant to 
                        subparagraph (B)(i), the Secretary determines 
                        that the actual net effective cost incurred by 
                        a PDP sponsor for a calendar quarter varies 
                        from the projected net effective cost included 
                        in the bid submitted under section 1860D-
                        11(b)(2)(C)(v) by more than the percentage 
                        established under clause (ii), the Secretary 
                        shall--
                                    ``(I) provide notice to the PDP 
                                sponsor of such variation; and
                                    ``(II) require the PDP sponsor to 
                                submit, not later than 30 calendar days 
                                after such notice--
                                            ``(aa) a written 
                                        explanation of such variation; 
                                        and
                                            ``(bb) a corrective action 
                                        plan to address such variation.
                            ``(ii) Percentage.--For purposes of clause 
                        (i), the Secretary shall establish, through 
                        rulemaking, a percentage (not to exceed 10 
                        percent) that represents an acceptable level of 
                        variation between the projected and actual net 
                        effective cost for a year. In establishing such 
                        percentage, the Secretary shall take into 
                        account potential factors affecting the 
                        variation between projected and actual costs, 
                        including--
                                    ``(I) historical variation in 
                                spending under this part;
                                    ``(II) the impact of high-cost 
                                covered part D drugs on overall 
                                spending under this part;
                                    ``(III) changes in drug 
                                utilization, formulary composition, and 
                                clinical practice patterns;
                                    ``(IV) variability in price 
                                concessions, including rebates, 
                                discounts, and other direct or indirect 
                                remunerations;
                                    ``(V) differences between projected 
                                and actual enrollment, and differences 
                                between projected and actual enrollee 
                                characteristics;
                                    ``(VI) plan benefit designs and 
                                cost-sharing structures; and
                                    ``(VII) other factors beyond the 
                                control of the PDP sponsor, or the 
                                pharmacy benefit manager providing 
                                pharmacy benefit management services on 
                                behalf of such sponsor, that may 
                                materially affect costs.
                            ``(iii) Item-level audits.--The Secretary 
                        may conduct an item-level audit of a 
                        prescription drug plan under this part, 
                        including an audit on the basis of a specific 
                        covered part D drug, a specific pharmacy, or a 
                        statistically valid sample of individual 
                        claims, for the purpose of--
                                    ``(I) identifying the cause of any 
                                variation between the projected and 
                                actual net effective cost for a year;
                                    ``(II) verifying that costs 
                                incurred under the plan are consistent 
                                with the assumptions and information 
                                included in the bid submitted under 
                                section 1860D-11(b); and
                                    ``(III) assessing whether pricing, 
                                reimbursement, or utilization patterns 
                                result in a differential financial 
                                benefit to a pharmacy benefit manager 
                                or an affiliate (as defined in 
                                subsection (h)(7)(A)) that is not 
                                reasonably reflected in the net 
                                effective cost or other information 
                                submitted in such bid.
                    ``(D) Formulary monitoring.--
                            ``(i) In general.--The Secretary shall 
                        monitor changes to the formulary of a 
                        prescription drug plan under this part 
                        throughout the plan year to identify patterns 
                        that may constitute beneficiary bait-and-switch 
                        practices.
                            ``(ii) Beneficiary bait-and-switch practice 
                        defined.--In this subparagraph, the term 
                        `beneficiary bait-and-switch practice' means a 
                        pattern of formulary changes or related 
                        utilization management practices that, in the 
                        aggregate--
                                    ``(I) materially increase enrollee 
                                cost-sharing or overall costs relative 
                                to the coverage described in the bid 
                                submitted under section 1860D-11(b);
                                    ``(II) result in a systematic shift 
                                in utilization toward certain covered 
                                part D drugs, pharmacies, or other 
                                arrangements (including through the 
                                preferential placement of drugs or the 
                                use of pharmacies or affiliates of a 
                                pharmacy benefit manager) that were not 
                                reasonably reflected in such bid; or
                                    ``(III) otherwise have the effect 
                                of materially altering the prescription 
                                drug coverage offered under the plan in 
                                a manner that would reasonably be 
                                expected to affect an enrollee's plan 
                                selection at the time of enrollment.
            ``(3) Public reporting.--The Secretary shall make publicly 
        available a report comparing the actual costs incurred in 
        connection with a prescription drug plan under this part to the 
        projected costs included in bids submitted under section 1860D-
        11(b)(2). Such comparison shall be aggregated across all PDP 
        sponsors, and shall describe any aggregate savings attributable 
        to the bidding process required under subsection (i) (in 
        relation to pharmacy benefit managers).
            ``(4) Enforcement and penalties.--
                    ``(A) Civil monetary penalties.--
                            ``(i) False or misleading information.--A 
                        PDP sponsor that provides false or misleading 
                        information (including a material omission) in 
                        a bid submission under section 1860D-11(b) 
                        shall be subject to a civil monetary penalty of 
                        not more than $100,000 per violation.
                            ``(ii) Failure to provide information.--A 
                        PDP sponsor that fails to provide any 
                        information required to be provided under 
                        section 1860D-11(b) or subsection (i) or (j) 
                        shall be subject to a civil monetary penalty of 
                        not more than $25,000 per calendar day until 
                        such failure is corrected.
                            ``(iii) Deviation from bid projection.--In 
                        the case that the actual net effective cost (as 
                        defined in subsection (i)(5)) for a 
                        prescription drug plan under this part and a 
                        plan year exceeds the projected net effective 
                        cost for such plan included in the bid 
                        submitted under section 1860D-11(b) by more 
                        than the percentage established under 
                        subsection (j)(2)(C)(ii), the PDP sponsor 
                        offering such plan shall be subject to a civil 
                        monetary penalty of not more than $10,000 per 
                        violation. In determining the amount of such 
                        penalty, the Secretary shall take into account 
                        the magnitude and duration of such deviation.
                    ``(B) Restitution.--
                            ``(i) In general.--In the case that the 
                        case that actual costs for a prescription drug 
                        plan under this part and a plan year (including 
                        amounts associated with enrollee cost-sharing 
                        and other amounts not directly charged to 
                        enrollees) materially exceeds the projected 
                        costs for such plan included in the bid 
                        submitted under section 1860D-11(b), the 
                        Secretary may require the PDP sponsor offering 
                        such plan to refund plan enrollees for such 
                        amounts retained by the sponsor, a pharmacy 
                        benefit manager providing pharmacy benefit 
                        management services on behalf of such sponsor, 
                        or an affiliate of such pharmacy benefit 
                        manager as are attributable to such disparity.
                            ``(ii) Coordination with refunds of amounts 
                        incorrectly collected.--To the extent feasible, 
                        the Secretary shall coordinate the application 
                        of this subparagraph with the requirements 
                        under section 423.294(b) of title 42, Code of 
                        Federal Regulations (or a successor 
                        regulation).
                    ``(C) Judicial review.--Any penalty imposed under 
                this paragraph shall be subject to judicial review in 
                the United States district court for the district in 
                which the violation occurred, consistent with section 
                1128A(e).''; and
            (2) in subsection (h)--
                    (A) in the subsection heading, by inserting 
                ``Agreements With'' before ``Pharmacy Benefit 
                Managers'';
                    (B) in paragraph (1), by adding at the end the 
                following new subparagraph:
                    ``(E) Guarantees with respect to net effective cost 
                and transparency.--
                            ``(i) In general.--The pharmacy benefit 
                        manager--
                                    ``(I) guarantees that the actual 
                                net effective cost (as defined in 
                                subsection (i)(5)) for the year will 
                                not exceed the projected net effective 
                                cost by more than the percentage 
                                established under subsection 
                                (j)(2)(C)(ii), with periodic 
                                reconciliation requirements on a 
                                frequency established by the Secretary; 
                                and
                                    ``(II) agrees that, in the case 
                                that such actual net effective cost 
                                does exceed such projected net 
                                effective cost by more than such 
                                percentage--
                                            ``(aa) the pharmacy benefit 
                                        manager will pay to the PDP 
                                        sponsor a penalty (not to 
                                        exceed $10,000 per violation); 
                                        and
                                            ``(bb) the PDP sponsor may 
                                        terminate the contract without 
                                        penalty.
                            ``(ii) Transparency.--The pharmacy benefit 
                        manager agrees--
                                    ``(I) to provide to the PDP sponsor 
                                with such information as the sponsor 
                                requires to comply with the 
                                requirements under subsection (j); and
                                    ``(II) that, if the pharmacy 
                                benefit manager fails to provide such 
                                information to the PDP sponsor, the PDP 
                                sponsor may terminate the contract 
                                without penalty.''; and
                    (C) in paragraph (2)(A)--
                            (i) in clause (ii), by striking ``and'' at 
                        the end;
                            (ii) in clause (iii), by striking the 
                        period at the end and inserting a semicolon; 
                        and
                            (iii) by adding at the end the following 
                        new clauses:
                            ``(iv) submit to the Secretary a copy of 
                        each such written agreement not later than the 
                        date that is 30 days after the effective date 
                        of such agreement;
                            ``(v) certify to the Secretary on a 
                        quarterly basis that each pharmacy benefit 
                        manager that has entered into such an agreement 
                        is meeting all the obligations under such 
                        agreement; and
                            ``(vi) in the case that any pharmacy 
                        benefit manager that has entered into such an 
                        agreement fails to meet all the obligations 
                        under such agreement, immediately report such 
                        failure to the Secretary;''.
    (b) Conforming Amendment.--Section 1860D-11(b)(2)(C) of the Social 
Security Act (42 U.S.C. 1395w-111(b)(2)(C)) is amended--
            (1) in clause (iii), by striking ``and'' at the end;
            (2) in clause (iv), by striking the period at the end and 
        inserting ``; and''; and
            (3) by adding at the end the following new clause:
                            ``(v) for plan years beginning on or after 
                        January 1, 2028, the information described in 
                        section 1860D-12(i)(1)(B) (with respect to bids 
                        for pharmacy benefit manager services).''.

SEC. 3. MEDICARE ADVANTAGE PHARMACY BENEFIT MANAGER REQUIREMENTS.

    (a) MA-PD Compliance.--Section 1857(f)(3)(G) of the Social Security 
Act (42 U.S.C. 1395w-27(f)(3)(G)) is amended by inserting ``and section 
1860D-12(i)'' before the period at the end.
    (b) Quality Rating System for MA-PD Plans.--Section 1853(o) of the 
Social Security Act (42 U.S.C. 1395w-23(o)) is amended--
            (1) in paragraph (4)(A), by inserting ``and, beginning 
        January 1, 2028, with respect to an MA-PD plan, incorporating 
        the pharmacy benefit management services performance measure 
        described in paragraph (8)'' before the period at the end; and
            (2) by adding at the end the following new paragraph:
            ``(8) Prescription drug cost performance measure.--
                    ``(A) In general.--For purposes of paragraph (4), 
                the Secretary shall establish a performance measure for 
                MA-PD plans for purposes of evaluating prescription 
                drug cost variations.
                    ``(B) Measurement criteria.--The performance 
                measure established under subparagraph (A) shall 
                evaluate--
                            ``(i) the percentage variation between the 
                        projected and actual net effective cost (as 
                        defined in section 1860D-12(i)(5)) for a year;
                            ``(ii) the timeliness and adequacy of any 
                        corrective action plans submitted in connection 
                        with such a variation (as required under 
                        section 1860D-12(j)(2)(C)(i)(II)(bb));
                            ``(iii) the extent to which implementing 
                        such corrective actions successfully reduced 
                        such variations in subsequent quarters;
                            ``(iv) the frequency and magnitude of 
                        beneficiary cost-sharing increases attributable 
                        to such a variation or a formulary change; and
                            ``(v) the plan's compliance with the 
                        reconciliation and transparency reporting 
                        requirements under section 1860D-12(j).
                    ``(C) Rating scale.--The Secretary shall establish 
                a 5-star rating scale for the performance measure under 
                this paragraph, where--
                            ``(i) 5 stars indicates actual costs within 
                        2 percent of bid projections with no required 
                        corrective actions;
                            ``(ii) 4 stars indicates actual costs 
                        within 5 percent of bid projections with timely 
                        and effective corrective actions;
                            ``(iii) 3 stars indicates actual costs 
                        within 10 percent of bid projections with 
                        adequate corrective actions;
                            ``(iv) 2 stars indicates actual costs 
                        exceeding 10 percent of bid projections or 
                        inadequate corrective actions; and
                            ``(v) 1 star indicates actual costs 
                        exceeding 15 percent of bid projections, 
                        failure to submit corrective action plans, or 
                        repeated noncompliance.
                    ``(D) Integration with overall star ratings.--
                            ``(i) Weighting.--The performance measure 
                        established under this paragraph shall be 
                        weighted at not less than the median weight of 
                        all other measures used in calculating the 
                        overall star rating under this subsection.
                            ``(ii) Bonus payment impact.--Performance 
                        on this measure shall be fully integrated into 
                        the overall star ratings calculation for 
                        purposes of quality bonus payments under 
                        paragraph (4).
                    ``(E) Public reporting.--The Secretary shall 
                publicly report each MA-PD plan's performance on this 
                measure as part of the annual star ratings release 
                under paragraph (3), including--
                            ``(i) specific percentage variation between 
                        projected and actual net effective costs;
                            ``(ii) corrective action outcomes; and
                            ``(iii) comparison to national and regional 
                        benchmarks.
                    ``(F) Beneficiary notification.--
                            ``(i) Low performance notification.--MA-PD 
                        plans receiving ratings of 2 stars or below on 
                        the measure established under this paragraph 
                        shall notify enrollees of their performance and 
                        provide information on alternative plan options 
                        during the annual enrollment period.
                            ``(ii) Notification format.--The Secretary 
                        shall establish standardized formats for 
                        beneficiary notifications that clearly explain 
                        the implications of low ratings on such 
                        measure, including enrollee costs for premiums, 
                        deductibles, cost sharing, and overall taxpayer 
                        burden.
                    ``(G) Implementation timeline.--
                            ``(i) Initial measurement.--The Secretary 
                        shall begin collecting data for the performance 
                        measure established under this paragraph 
                        beginning with the first plan year beginning 
                        after the date that is 1 year after the date of 
                        enactment of the Net Effective Cost 
                        Transparency and Prescription Drug 
                        Affordability Act of 2026.
                            ``(ii) First ratings.--The Secretary shall 
                        publish the first star ratings under this 
                        paragraph not later than the second plan year 
                        following the initial data collection.
                            ``(iii) Bonus payment integration.--
                        Performance on this measure shall affect 
                        quality bonus payments beginning with the third 
                        plan year following initial data collection.
                    ``(H) Application to standalone part d plans.--The 
                Secretary shall establish a comparable performance 
                measurement and public reporting system for 
                prescription drug plans under part D, using the same 
                measurement criteria and rating scale established under 
                this paragraph.''.

SEC. 4. COMMERCIAL HEALTH PLAN TRANSPARENCY REQUIREMENTS.

    (a) Net Effective Costs.--
            (1) Requirement.--Section 408(b)(2)(B)(iii) of the Employee 
        Retirement Income Security Act of 1974 (29 U.S.C. 
        1108(b)(2)(B)(iii)) is amended by adding at the end the 
        following:
                    ``(VII) A description, in a uniform format, of the 
                projected net effective cost for the applicable plan 
                year for each bid received by the covered service 
                provider on behalf of the covered plan from an entity 
                providing pharmacy benefit management services.''.
            (2) Definition.--Section 3 of the Employee Retirement 
        Income Security Act of 1974 (29 U.S.C. 1002) is amended by 
        inserting after paragraph (45) the following:
            ``(46) Net effective cost.--The term `net effective cost' 
        means, in relation to a bid provided to a covered plan (as 
        defined in section 408(b)(2)(B)(ii)) by an entity providing 
        pharmacy benefit management services, the total annual cost to 
        the covered plan of all covered drugs in the formulary that 
        would be furnished to all enrollees in such plan for such year 
        if such bid were accepted.''.
    (b) Bona Fide Service Fees Defined.--Section 3 of the Employee 
Retirement Income Security Act of 1974 (29 U.S.C. 1002), as amended by 
subsection (a)(2), is further amended by adding at the end the 
following:
            ``(47) Bona fide service fees.--The term `bona fide service 
        fees' means fees charged that represent fair-market value for 
        bona fide, itemized services performed on behalf of a drug 
        manufacturer or a covered plan (as defined in section 
        408(b)(2)(B)(ii)) and that the manufacturer would otherwise 
        perform, or the covered plan would otherwise contract for in 
        the absence of a service arrangement, and that are not passed 
        on in whole or in part to the covered plan, whether or not an 
        entity offering pharmacy benefit management services takes 
        possession of the drug.''.
    (c) Effective Date.--The amendments made by this section shall 
apply with respect to plan years beginning after calendar year 2027.
                                 <all>