From ee3bfae2eff33c66aa66c2cd2876f53aea40a3ae Mon Sep 17 00:00:00 2001
From: JR-CMS <84140552+JR-CMS@users.noreply.github.com>
Date: Mon, 30 Oct 2023 15:41:22 -0400
Subject: [PATCH] Update README.md

---
 schemas/provider-reference/README.md | 1 +
 1 file changed, 1 insertion(+)

diff --git a/schemas/provider-reference/README.md b/schemas/provider-reference/README.md
index 6975806..190bac8 100644
--- a/schemas/provider-reference/README.md
+++ b/schemas/provider-reference/README.md
@@ -1,4 +1,5 @@
 ### Provider Reference File
+**The Provider Reference File is an optional file that can be leveraged to significantly decrease file sizes of the required machine-readable files. The Transparency in Coverage final rules do not require plans and issuers to publish a Provider Reference file.**
 
 The schema has a single root object vs an array to accommodate formats that may not allow for multiple root nodes, such as XML.