H.R. 10280, the 9-8-8 Implementation Act of 2026, comprehensively expands access to mental health and substance use crisis services across federal and private insurance programs. The bill mandates coverage of crisis response services—including mobile crisis teams, crisis stabilization facilities, and call centers—through Medicare, Medicaid, private insurance, TRICARE, veterans' benefits, federal employee plans, and state children's health insurance, beginning three years after enactment. To support these services and raise public awareness, the legislation funds a national suicide prevention media campaign at $10 million annually (2026-2030), invests $50-60 million annually in behavioral health workforce training programs focused on crisis response (2026-2031), and appropriates $5 million for Medicaid implementation while establishing an 85% federal reimbursement rate for crisis services. The bill also modifies Medicaid rules to allow coverage of crisis facilities that previously fell under restrictions on inpatient mental health facilities, with the Department of Health and Human Services required to issue implementation guidance within 180 days and report on effectiveness within one year.