The Primary and Behavioral Health Care Access Act of 2024 requires health insurance plans to cover three primary care visits and three behavioral health care visits per year without any cost-sharing requirements such as copayments or coinsurance. The bill applies to group health plans offered through employers and individual health insurance policies, affecting all Americans with private health insurance coverage. Covered visits must be with qualified providers including doctors, nurse practitioners, physician assistants, therapists, social workers, and other behavioral health professionals. The law ensures that these covered visits receive the same reimbursement rates and treatment limitations as any other medical visits under the plan. The requirements take effect two years after the bill becomes law.