The INSULIN Act of 2026 caps out-of-pocket costs for insulin at $35 per 30-day supply (or 25 percent of the negotiated price, whichever is lower starting in 2028) for people with private, employer-sponsored, or ACA marketplace health coverage, and it eliminates deductibles for these products. It requires pharmacy benefit managers and insurers to pass through 100 percent of manufacturer rebates and discounts on insulin directly to health plans, aiming to curb hidden markups in the drug supply chain. The bill also speeds up FDA review of generic insulin and biosimilar competitors by tightening rules around delay tactics like citizen petitions and creating an expedited pathway for biosimilars when competition is lacking. For uninsured Americans, it establishes a five-year, $100 million pilot program in ten states to help provide insulin at $35 or less per month, along with a national resource center and 24/7 hotline to connect people with manufacturer assistance programs. Most insurance provisions take effect for plan years beginning in 2027 or 2028, and the bill directs GAO studies and HHS reports to track the law's effects on insulin pricing, market competition, and the uninsured population's access to the drug.
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.