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Health care sharing ministries in Utah—membership groups where participants voluntarily pool money to help cover each other's medical costs—are exempt from state insurance regulation as long as they meet certain disclosure requirements, such as providing participants with a written statement explaining that they are not insurance companies and that participation is voluntary. This bill originally would have required these ministries to post a specific notice reading "This is not insurance. We are not obligated to pay your medical bills." on their websites, applications, guideline materials, and advertising. A substitute version narrowed this requirement: it drops the website posting requirement, applies the notice only to applications, guideline materials, and advertising, allows ministries to use "a substantially similar statement" rather than exact wording, and changes the required phrase to "No one is obligated to pay your medical bills." This notice requirement would be added on top of the ministries' existing obligation to provide written disclaimers clarifying that they are not insurance and that participants remain personally responsible for their own medical expenses.