Affordable Insulin Now Act of 2026

Lower Out-of-Pocket Costs for Insured People: For plan years starting January 1, 2027, insurance plans must cover selected insulin products without applying a deductible and must limit cost-sharing to $35 or 25 percent of the negotiated price per 30-day supply. (Section 2)

Coverage for Catastrophic Plans: Individuals with catastrophic health plans will receive coverage for selected insulin products before they hit their annual out-of-pocket limit. (Section 2(c))

Support for Uninsured Individuals: The bill establishes a program where the Secretary of Health and Human Services pays qualifying entities to provide discounted insulin to uninsured people. (Section 3(a))

Financial Relief for Providers and Pharmacies: Qualifying entities that agree not to hold uninsured individuals liable for the full cost of insulin will be reimbursed by the Secretary for the difference between the out-of-pocket cost and $35. (Section 3(b))

Higher Costs for Out-of-Network Services: Insurance plans are not required to provide these specific benefits for insulin delivered by an out-of-network provider, and they are allowed to charge higher cost-sharing for those services. (Section 2(c))

Limited Selection of Products: The cost-sharing requirements only apply to "selected insulin products," which are chosen by the group health plan or health insurance issuer. (Section 2(b)(1))

Potential Costs to the Government: Congress notes that the Act may result in costs to the Federal Government that may require subsequent legislation to offset. (Section 4)