H.R. 10597

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The Affordability is Access Act of 2026 requires health insurance plans, both group and individual, to cover over-the-counter contraceptives without cost-sharing to patients, meaning no copays or deductibles. The bill applies to any contraceptive product approved by the Food and Drug Administration for sale without a prescription, expanding on existing contraceptive coverage requirements under the Affordable Care Act. The legislation directs the Secretaries of Health and Human Services, Labor, and Treasury to clarify that insurance coverage includes these over-the-counter methods even without a doctor's prescription, while also requiring retailers that stock over-the-counter contraceptives to not interfere with customers' access to or purchase of these products. The bill does not establish new funding or timelines but emphasizes congressional support for making over-the-counter birth control both accessible and affordable by removing cost barriers to individuals who want to use it.

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