The Primary and Behavioral Health Care Access Act of 2024 requires all group health plans and health insurance companies to cover three primary care visits and three behavioral health care visits per year with no cost-sharing, meaning patients would not pay copayments, coinsurance, or deductibles for these visits. The bill applies to employer-sponsored health plans and individual insurance policies, affecting millions of Americans with health insurance coverage. The covered visits must be provided by qualified healthcare providers including doctors, nurse practitioners, physician assistants, psychiatrists, therapists, social workers, and other behavioral health professionals, with the same treatment rules and payment rates as other covered visits. The bill would take effect two years after enactment, giving insurers and health plans time to implement the new requirements. No new federal funding is specified in the legislation, as the costs would be absorbed by health insurers and employers offering health plans.
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