Affordable Insulin Now Act of 2026

Key Points

• Starting in 2027, private health insurance plans must cover at least one of every type and dosage form of insulin (rapid-acting, long-acting, premixed, etc.) with out-of-pocket costs capped at $35 or 25% of the negotiated price, whichever is less, per 30-day supply.
• Insurance plans cannot charge a deductible for covered insulin products, meaning patients get the lower price from day one without having to meet a spending threshold first.
• The bill creates a new federal program for uninsured people. The government would reimburse pharmacies and health care providers to ensure uninsured patients also pay no more than $35 per month for insulin.
• The $35 copay payments still count toward a patient's deductible and annual out-of-pocket maximum, helping them reach their insurance limits faster and reducing total healthcare costs for the year.
• The rules apply broadly across private coverage types, including employer-sponsored group plans (through ERISA and the Internal Revenue Code) and individual marketplace plans, as well as catastrophic plans sold on the ACA exchange.
• The bill does not include a funding mechanism to pay for these changes. Instead, it includes a nonbinding statement that Congress should pass future legislation to offset the costs.