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119-s-3698119th CongressWALLET
Mental Health and MAMA Act of 2026
Sponsored By: Senator Shaheen, Jeanne [D-NH]
Introduced
Summary
No cost-sharing for in-network mental health and substance use disorder care for pregnant and postpartum people. This bill would require group health plans and health insurers under the Public Health Service Act (PHSA), the Employee Retirement Income Security Act (ERISA), and the Internal Revenue Code (IRC) to eliminate copays, coinsurance, and deductibles for in-network mental health and substance use disorder (MH/SUD) services from pregnancy diagnosis through 1 year after pregnancy. It aligns definitions and a shared phase-in across those laws and extends the same rules to the Federal Employee Health Benefits Program.
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- Pregnant and postpartum people: Would face no out-of-pocket charges for in-network MH/SUD treatment, including telehealth, from diagnosis through 1 year after pregnancy.
- Plans and employers: Group health plans and insurers subject to PHSA, ERISA, and the tax code would need to implement the no-cost rule, with the requirement applying to plan years beginning two years after enactment.
- Continuity of care: Expands continuing-care protections so patients can keep the same in-network provider or facility during pregnancy and up to 1 year postpartum to avoid treatment gaps.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
Free in-network pregnancy mental health care
If enacted, group health plans and issuers would not be allowed to charge any in-network copays, coinsurance, or deductibles for mental health or substance use disorder services from pregnancy diagnosis through one year after the pregnancy. This would cover services furnished by in-network providers, including telehealth, and would apply only while you are enrolled. The rule would be added across major federal plan rules (PHSA, ERISA, and the tax code) and would start for plan years beginning two years after enactment. The bill would also expand continuity-of-care rules so you would be able to keep the same provider during pregnancy and up to one year postpartum.
Sponsors & CoSponsors
Sponsor
Shaheen, Jeanne [D-NH]
NH • D
Cosponsors
Sen. Baldwin, Tammy [D-WI]
WI • D
Sponsored 1/27/2026
Sen. Duckworth, Tammy [D-IL]
IL • D
Sponsored 1/27/2026
Sen. Heinrich, Martin [D-NM]
NM • D
Sponsored 1/27/2026
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov