a publicly-available website that allows for information contained in such files to be compared across group health plans and group and individual health insurance coverage, and are accessible to individuals at no cost and without the need to establish a user account or provide other credentials. (4) User instructions Each group health plan and group or individual health insurance coverage shall make available to the public instructions written in plain language explaining how individuals may search for information described in paragraph (2) in files submitted in accordance with paragraph (3). The Secretary shall develop and publish a template that such a plan or coverage may use in developing instructions for purposes of the preceding sentence. (5) Attestation Each group health plan and group or individual health insurance coverage shall post, along with rate and payment information made public by such plan or coverage, an attestation that such information is complete and accurate. (c) Definitions In this paragraph: (1) Participating provider The term participating provider has the meaning given such term in section 2791A–1(a)(3)(G)(ii). (2) In-network rate The term in-network rate means, with respect to a health plan or coverage and an item or service furnished by a provider that is a participating provider with respect to such plan and item or service, the contracted rate in effect between such plan or coverage and such provider for such item or service. . (3) ERISA (A) In general Section 719 of the Employee Retirement Income Security Act of 1974 ( 29 U.S.C. 1185h ) is amended to read as follows: 719. Price transparency requirements (a) Cost sharing transparency (1) In general For plan years beginning on or after the date that is 2 years after the date of the enactment of this section, a group health plan or a health insurance issuer offering group health insurance coverage shall permit individuals to learn the amount of cost-sharing (including deductibles, copayments, and coinsurance) under the individual's