The Transparency in Coverage (TiC) regulations provide further clarification for the use of Machine-Readable Files (MRFs) for the health insurance industry. These rules require that healthcare plans and issuers offering health insurance coverage in individual and group markets disclose in-network provider-negotiated rates through MRFs. The outcome will be increased data transparency for payers, providers, and members and improved accessibility and usability for member-facing transparency tools.

One of the challenges with MRF files is that they are typically very large and require significant computing power to download, ...