119th (2025–2027)
H.R. 2636
This bill caps insulin costs for people age 26 and younger who have private health insurance, effective January 1, 2026. Young people would pay no more than $35 per 30-day supply of insulin, or 25 percent of the negotiated price—whichever is lower—with no deductible required. The law applies to both employer-sponsored and individual health plans, and requires insurers to cover at least one form of each type of insulin (such as rapid-acting, long-acting, or premixed varieties) in different delivery methods like vials or pumps. These insulin cost-sharing payments would count toward annual deductibles and out-of-pocket maximums as normal. The legislation doesn't require coverage of non-preferred insulin products or affect cost-sharing for people older than 26, and regulations will be developed by the Departments of Health and Human Services, Labor, and Treasury.