Update README.md

Clarifying the requirements of the Table of Contents file.
CMSgov · Oct 30, 2023 · e692a65 · e692a65
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 ### Table of Contents File
+**The Table of Contents 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 Table of Contents file.**
 
 | Field | Name | Type | Definition | Required |
 | ----- | ---- | ---- | ---------- | -------- |