Ally's Act requires private health insurance plans—including employer-sponsored and individual coverage—to cover hearing devices and related services for people who need them. The bill mandates coverage of auditory implant devices (such as cochlear implants and bone conduction implants), external sound processors, device maintenance, upgrades every five years, repairs, hearing assessments, surgery, and post-operative care. Importantly, insurance companies cannot impose stricter cost-sharing or coverage limits on these hearing services than they do for other medical benefits, and they cannot deny coverage when a doctor or audiologist deems the device medically necessary. The law applies broadly to most private plans but exempts some grandfathered plans and takes effect for plan years beginning January 1, 2026. The bill carries no new federal spending but shifts costs to private insurers by expanding their coverage obligations.
Take Action
Your position
Add a comment
to comment on this bill.
Annotate the text
Highlight any passage on the Summary or Full Text tab to attach a note. Annotations appear on the Annotations tab.