The transparency in coverage rule mandates that group health plans and health insurers disclose detailed pricing information, including in-network and out-of-network rates, as well as cost-sharing information, to beneficiaries and enrollees. Plans and issuers must publish machine-readable files containing in-network negotiated rates and historical net prices for covered items and services. These files are designed for data analysis and to be read by researchers, government entities, and data aggregators to develop comparative data across health insurance issuers. They are not intended for use by health plan members, employees, or non-technical business users.