The Affordability is Access Act of 2026 requires health insurance plans, both group and individual coverage, to provide free coverage of over-the-counter contraceptives approved by the Food and Drug Administration without requiring a prescription or cost-sharing from patients. The bill affects millions of women, transgender men, and nonbinary people of reproductive age who use birth control, with particular emphasis on removing financial barriers for low-income individuals and communities facing systemic discrimination. The legislation also prohibits retailers from interfering with customers' ability to purchase over-the-counter contraceptives and directs the Secretaries of Health and Human Services, Labor, and Treasury to clarify existing contraceptive coverage requirements to include over-the-counter options. There is no specific funding amount or implementation timeline mentioned in the bill text. The bill represents an expansion of birth control coverage protections already established under the Affordable Care Act, aiming to address gaps where cost remains a barrier to contraceptive access for approximately 25 percent of contraceptive users.