The North Dakota Legislature's House Industry, Business and Labor Committee convened on March 25, 2025, to discuss critical issues surrounding healthcare transparency and the regulation of health care sharing ministries. The meeting highlighted the need for clearer pricing structures in healthcare services, aiming to alleviate confusion for consumers regarding costs.

A significant point of discussion was the comparison between traditional health insurance and health care sharing ministries. Representatives emphasized the importance of transparency at the point of sale, suggesting that consumers should know the costs of services upfront, similar to how auto repair shops provide estimates based on vehicle types. This approach aims to prevent unexpected bills after services are rendered, which can lead to frustration and confusion for patients.

Chairman Warri and other committee members noted that while federal regulations mandate transparency in hospital pricing and health insurance coverage, health care sharing ministries currently lack similar oversight. This gap raises concerns about consumer protection and the ability to address complaints effectively. Unlike traditional health insurance members, individuals using health care sharing ministries do not have access to a complaint process through the insurance department, which could hinder their ability to resolve issues.

The committee discussed the potential for a registration process for health care sharing ministries in North Dakota. This step could help the state understand the number of such entities operating within its borders and the population they serve. While some members suggested that these ministries should be regulated like insurance companies, the registration process could serve as a preliminary measure to enhance oversight and consumer protection.

In conclusion, the meeting underscored the ongoing challenges in healthcare transparency and the regulation of alternative health care models. The committee's discussions may lead to future legislative efforts aimed at improving consumer awareness and protection in the healthcare landscape of North Dakota.