Important Message

Blue Cross Blue Shield/ Blue Choice Health Plan

These files will be accessible through our public websites (i.e., and We will publish the direct URL in June. Plan sponsors may link to those files as desired.

UHC/ All Savers

Machine-readable files required on public websites by July 1, 2022, for Transparency in Coverage

As the initial enforcement date approaches for posting the machine-readable files (MRF) under the Transparency in Coverage Rule, UnitedHealthcare is providing a quick reminder of requirements for health insurers and group health plans, including self-funded clients.
  • The government requirement applies to plan years beginning on or after Jan. 1, 2022, with an enforcement date of July 1, 2022.*
  • Insurers and self-funded plans must publicly post the files by July 1, 2022, which include detailed pricing data for all covered items and services via 3 MRFs. It’s important to note that the third file is delayed pending additional guidance and is not required at this time. The 3 MRFs include:
    • In-network negotiated payment rates
    • Historical out-of-network allowed amounts
    • In-network rates and historical costs for prescription drugs (delayed pending guidance)
  • Data in these files must be in the JSON file format and must be updated monthly. Posting Excel documents, PDFs or other non-MRFs are not permitted.
  • When are the machine-readable files required to be available? Update 5/11/22 These files are required to be made public for plan years that begin on or after July 1, 2022. The public link to the file is now available but the machine-readable files will not be loaded until July 1, 2022, and then updated monthly. The link is and will be updated monthly by the first of each month. At this time some fully insured examples are loaded just so self-funded customers can check to see the link is working and prepare to post by July 1 on their own public website. No action or posted is required for fully insured groups.
*Based on federal government guidance from August 2021, the enforcement date for publicly posting the files was moved to July 1, 2022.

UnitedHealthcare is committed to Transparency in Coverage Rule compliance by making MRFs available for all UnitedHealthcare commercial platforms, pricing structures and plan designs at the appropriate time. UnitedHealthcare is also committed to helping self-funded customers comply with this new rule and will create and publish MRFs where UnitedHealthcare has access to the data, including integrated customer-specific provider contracting arrangements (GSP, CSP). MRFs will be posted on For up-to-date details and FAQs about Transparency in Coverage Rule compliance, as well as a link to a dedicated UnitedHealthcare Transparency in Coverage website, visit this page.

  • Self-funded customers who opt to suppress files from the public UnitedHealthcare MRF website and post to their own public website may access the MRFs from a dedicated website monthly. The website requires authentication. Please notify your UnitedHealthcare representative by May 15, 2022, if this is your intention. Your UnitedHealthcare representative will provide detailed instructions so the self-funded customer may extract and post the files publicly and update them monthly.
  • UnitedHealthcare does not support direct customer-specific provider contracting arrangements where claims are not paid by UnitedHealthcare, nor does UnitedHealthcare accept or provide raw data.



Urgent update for your clients

Transparency in Coverage Rule – Machine-Readable Files

On 3/14/22, we contacted you regarding the Machine Readable Files (MRFs) requirement of the Transparency in Coverage Rule. This communication outlines the next steps and key information that we have provided to all Cigna medical clients in anticipation of the 7/1/22 enforcement date.
As a reminder, under the Transparency in Coverage Rule, issued in 2020 by the U.S. Department of Health & Human Services, U.S. Department of Labor and U.S. Department of the Treasury and enforced beginning 7/1/22, health plans (which include clients who sponsor employee benefit plans) and health insurance issuers must publish two MRFs:
  • In-Network: Negotiated rates for all covered items and services between the plan or issuer and in-network providers
  • Out of Network: Allowed amount paid to, and billed charges from, out-of-network providers for all covered services within a 90-day period

What Cigna is doing

  • On 5/16/22, Cigna clients will receive communications that provide the link to the MRFs and the actions they need to take to be compliant under the rule.
  • The actual link and recommended verbiage they should include with the link are below. This link will be live as of 7/1/2022, but can be posted on their public websites prior to 7/1/22. Files will also be available on on or before 6/1/22.

What your clients need to do

To meet regulatory requirements, Cigna recommends that clients keep the following in mind:

  • On or before 7/1/22, most clients will need to copy the link below and post it somewhere on their public website to provide access to the MRFs. The link is
    • Note that prior to 7/1/22, this link will take you to the home page of, but will access the MRFs page after that date.
    • Clients can determine where on their public website they want to place this link.
    • Per the regulation, anyone in the United States should be able to find this link somewhere on their website without any requirement such as a password, a fee or an age restriction.
  • Along with the link, we are asking clients to include the following recommended overview verbiage:

This link leads to the machine-readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.

  • Clients need only follow this process once to establish the link. Cigna will update the files each month and the link will remain constant and always access the most up-to-date files.
  • For clients who previously indicated that they do not have a public website or clients with client-specific networks, we will communicate the URL of the websites that Cigna has created.
  • For clients who have “opted out” of Cigna’s standard hosting services by choosing to host their own files or having a third party host them, we are supplying detailed instructions for how to access the files directly from

For more information

For more information, visit Cigna Consultant Access to log in or register for the portal. On the portal you can:

  • Find links to all of the communications that will be sent to your clients on 5/16/22
  • Review the file system requirements and recommendations

Click here to contact Cigna Consultant Access Website Support with any questions you may have during your registration.


The Transparency in Coverage final rule, released on October 29, 2020, requires health plans and issuers to publicly disclose pricing information via machine-readable files (MRF).

We will post the required data on by July 1, 2022.