Transparency in Coverage Rule

As the initial enforcement date of July 1, 2022, approaches for posting the machine-readable files (MRF) under the Transparency in Coverage Rule, UMR is providing an overview of requirements for health insurers and group health plans, including self-funded clients.

Through UnitedHealthcare, we are committed to supporting the Transparency in Coverage Rule by making MRFs available for our self-funded customers on July 1, 2022.

Self-funded plans are required to make the MRFs publicly accessible. This requires providing a link to MRFs prepared by the insurer/TPA.

To meet this requirement, MRFs will be posted monthly on This location is publicly available and accessible to all, and no authentication is required.

Beginning July 1 and monthly thereafter, the MRFs will appear on this site.

While these files are accessible to all, the file itself is large, written in JSON, which is a machine-readable language, and not easily interpreted or searchable.

Action for self-funded plans

To comply with the Transparency in Coverage Rule, as a self-funded customer, you must post UnitedHealthcare’s link on your own publicly available website.  We are providing this live link now, so you can make preparations to have the link posted by July 1, 2022.

Please remember that the machine-readable files themselves will not be available until July 1.

This link will automatically link the visitor to UnitedHealthcare’s page.

  • When you connect our MRF link via your publicly available website, remember it cannot be password protected or difficult to locate.
  • Prior to July 1, the link has sample fully insured data and not live data. The URL will contain live data by July 1 in accordance with the requirements.
  • To test that the link is working, click on the link and you should see the sample data below. Please note: This is only a placeholder for now and will not include your company data at this time.
  • Upon viewing the data, your test is complete.
  • Share the link with your organization’s team responsible to place it on the publicly accessible site where you will display the link.
  • You may wish to add the following language when you post the link on your site:

Questions? Please fill out the form below and we will reach out to you as soon as possible.