The Affordable Insulin Now Act requires health insurance plans—including group plans, individual plans, and employer-sponsored plans—to cap out-of-pocket costs for insulin products at no more than $35 per 30-day supply, or 25 percent of the negotiated price, whichever is lower. The legislation covers a broad range of insulin types and delivery forms (such as vials, pumps, and inhalers) starting January 1, 2026, and prohibits plans from applying deductibles to selected insulin products. The bill affects millions of Americans with diabetes by making their insulin more affordable, while still allowing plans to impose higher costs for out-of-network providers or non-covered insulin products. Cost-sharing payments count toward deductibles and annual out-of-pocket maximums, and the bill includes a special provision allowing catastrophic health plans to cover insulin before patients meet their annual deductible limits. No specific federal funding is appropriated in the legislation; instead, the cost reduction requirements apply to existing insurance mechanisms.