A Democratic bill with 11 Democratic cosponsors · See all 11 cosponsors
Last activity — Referred to the Committee on Energy and Commerce, and in addition to the Committees on Ways and Means, and Education and Workforce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
In committee
Introduced and handed to a committee in the chamber it started in.
The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.
Its path through Congress
- Introduced
- In Committee
What this bill would do
The Affordable Insulin Now Act aims to establish new requirements for cost-sharing regarding certain insulin products. For plan years starting on or after January 1, 2026, group health plans and health insurance issuers must provide coverage for selected insulin products. These plans are prohibited from applying deductibles to these specific products. Additionally, the bill limits cost-sharing for these products to the lesser of $35 per 30-day supply or 25 percent of the negotiated price. These changes would amend the Public Health Service Act, the Internal Revenue Code of 1986, and the Employee Retirement Income Security Act of 1974.
Yes· 3 of 33
- Scored +9
Would households on low incomes be better off under this?
Low-income households experience the greatest relative financial relief from capped insulin costs.
- Scored +9
Does this lower the price of prescription medicines?
Directly limits out-of-pocket costs for insulin to $35 or 25% of the negotiated price.
- Scored +7
Would middle-income households be better off under this?
Middle-class families benefit from the removal of deductibles and price caps for insulin.
The opposite
- Scored -3
Does this leave more decisions to the states?
Overrides state-level insurance regulations with a federal cost-sharing mandate.
- Scored -2
Would business owners be better off under this?
Employers may face higher insurance premiums due to mandated cost caps.
- Scored -2
Does this lower what people pay for private health insurance?
Insurance companies may raise premiums to offset the cost of mandated $35 insulin caps.
Who it would affect, and how
Potential Positive Impacts for People
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Reduced Out-of-Pocket Costs for Insulin: Group health plans and health insurance issuers would be prohibited from applying any deductible to selected insulin products, and cost-sharing would be capped at the lesser of $35 or 25 percent of the negotiated price per 30-day supply (Section 2, subsection a; Section 2, subsection b; Section 2, subsection c).
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Benefit Toward Financial Thresholds: Any cost-sharing payments made for these insulin products will count toward a person's deductible or out-of-pocket maximum (Section 2, subsection a; Section 2, subsection b).
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Coverage Under Catastrophic Plans: Health plans described in specific sections will provide coverage for selected insulin products even before an enrolled individual has met their annual limitation in cost-sharing expenses (Section 2, subsection e).
Potential Negative Impacts for People
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Limited Scope of Coverage: The rules regarding deductibles and cost-sharing caps only apply to "selected insulin products," which are products chosen by the group health plan or health insurance issuer (Section 2, subsection a; Section 2, subsection b).
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No Protections for Out-of-Network Care: The bill does not require plans to provide these specific benefits for insulin products delivered by an out-of-network provider, nor does it prevent plans from charging higher cost-sharing amounts for out-of-network delivery (Section 2, subsection a; Section 2, subsection b).
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Exclusion of Non-Selected Products: The requirements do not mandate coverage for, or prevent different cost-sharing structures for, insulin products that are not designated as "selected insulin products" (Section 2, subsection a; Section 2, subsection b).
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Demographic And Interest Groups
- Would households on low incomes be better off under this? — Low-income households experience the greatest relative financial relief from capped insulin costs. Would middle-income households be better off under this? — Middle-class families benefit from the removal of deductibles and price caps for insulin. Would people with disabilities be better off under this? — People with the disability of diabetes benefit significantly from lower medication costs. Would Black Americans be better off under this? — Provides financial relief for a demographic disproportionately affected by diabetes. Would children be better off under this? — Children with diabetes benefit from lower insulin costs. Would Hispanic Americans be better off under this? — Provides financial relief for a demographic disproportionately affected by diabetes. Would people in middle age be better off under this? — Middle-aged adults with diabetes benefit from lower medication costs. Would Native Americans be better off under this? — Provides financial relief for a demographic with high diabetes prevalence. Would retired people be better off under this? — Retirees on qualifying group or individual plans benefit from cost caps. Would people over 65 be better off under this? — Seniors using group or individual plans benefit from capped insulin costs. Would students be better off under this? — Students on individual or group plans benefit from reduced out-of-pocket costs. Would union members be better off under this? — Union members with group plans benefit from capped insulin costs. Would people in their twenties and thirties be better off under this? — Young adults with diabetes benefit from significantly lower out-of-pocket insulin costs. Would Asian Americans be better off under this? — Provides financial relief for those requiring insulin. Would farmers be better off under this? — Provides financial relief for farmers requiring insulin. Would immigrants be better off under this? — Immigrants with qualifying insurance benefit from lower medication costs. Would LGBTQ people be better off under this? — Provides financial relief for LGBTQ+ individuals requiring insulin. Would men be better off under this? — Provides financial relief for men requiring insulin. Would people in rural areas be better off under this? — Provides financial relief for insulin users in rural areas. Would people in cities be better off under this? — Provides financial relief for insulin users in urban areas. Would veterans be better off under this, taking everything together? — Provides financial relief for veterans using private insurance for insulin. Would white Americans be better off under this? — Provides financial relief for those requiring insulin. Would women be better off under this? — Provides financial relief for women requiring insulin. Would billionaires be better off under this? — Provides cost relief for insulin medication. Would high-income households be better off under this? — High-income households also benefit from lower costs, though the impact is less significant. Would people with substantial wealth be better off under this? — Provides cost relief for insulin medication. Would the very wealthiest people be better off under this? — Provides cost relief for insulin medication. Would business owners be better off under this? — Employers may face higher insurance premiums due to mandated cost caps.
- Healthcare
- Does this lower the price of prescription medicines? — Directly limits out-of-pocket costs for insulin to $35 or 25% of the negotiated price. Does this make health care easier to get in general? — Reduces financial barriers to accessing life-saving insulin medication. Does this strengthen the Affordable Care Act? — Expands benefits within ACA catastrophic plans for insulin products. Does this lower what people pay for private health insurance? — Insurance companies may raise premiums to offset the cost of mandated $35 insulin caps.
- Economy And Finance
- Does this give people more protection from unfair business practices? — Capping insulin costs protects consumers from excessive pricing for essential medication.
- Social Issues And Justice
- Is this likely to lift people out of poverty? — Reducing the cost of essential medicine increases disposable income for low-income patients.
- Governance And Ideology
- Does this give the federal government more power? — Imposes new federal mandates on private and group health insurance plans. Does this leave more decisions to the states? — Overrides state-level insurance regulations with a federal cost-sharing mandate.
- 9/14/2026
- 2 Cosponsors added.
- 6/25/2026
- 1 Cosponsor added.
- 5/20/2026
- 1 Cosponsor added.
- 4/22/2026
- 1 Cosponsor added.
- 1/8/2026
- 2 Cosponsors added.
- 11/21/2025
- Referred to the Committee on Energy and Commerce, and in addition to the Committees on Ways and Means, and Education and Workforce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
- 4 Cosponsors added.
- Introduced in House
2 bills Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Steve CohenDemocrat · Tennessee
Salud CarbajalDemocrat · California
Troy CarterDemocrat · Louisiana
Sharice DavidsDemocrat · Kansas
Steven HorsfordDemocrat · Nevada
Greg LandsmanDemocrat · Ohio
Lucy McBathDemocrat · Georgia
LaMonica McIverDemocrat · New Jersey
Haley StevensDemocrat · Michigan
Kim SchrierDemocrat · Washington
Eugene VindmanDemocrat · Virginia