# 119-s-3698: Mental Health and MAMA Act of 2026

119-s-3698, Mental Health and MAMA Act of 2026, is a 119th Congress bill sponsored by Sen. Shaheen, Jeanne [D-NH] (D-NH); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-s-3698
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-3698
- Congress: 119
- Title: Mental Health and MAMA Act of 2026
- Status: introduced
- Introduced: 2026-01-27
- Sponsor: Sen. Shaheen, Jeanne [D-NH] (D-NH)
- Cosponsors: 3
- Policy area: Health
- Touches household money: yes
- Last recorded action: 2026-04-21

## 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. - 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.

## Cosponsors (3)

- Sen. Baldwin, Tammy [D-WI] (D-WI), 2026-01-27T00:00:00.000Z
- Sen. Duckworth, Tammy [D-IL] (D-IL), 2026-01-27T00:00:00.000Z
- Sen. Heinrich, Martin [D-NM] (D-NM), 2026-01-27T00:00:00.000Z

## Provisions PRIA read

- Free in-network pregnancy mental health care: benefit, medium. 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 provider…

## Related bills

- 119-s-5066: Health Equity and Accountability Act of 2026
- 119-s-3990: PrEP Access and Coverage Act of 2026
- 119-s-2823: FAMILY Act
- 119-s-524: Coast Guard Authorization Act of 2025
- 119-s-51: Washington, D.C. Admission Act
- 119-s-5108: Right to IVF Act of 2026

## Sources
- [119-s-3698 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/3698)

## Related
- [119-s-5066: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-s-5066)
- [119-s-3990: PrEP Access and Coverage Act of 2026](https://policyrisk.com/legislation/119-s-3990)
- [119-s-2823: FAMILY Act](https://policyrisk.com/legislation/119-s-2823)
- [119-s-524: Coast Guard Authorization Act of 2025](https://policyrisk.com/legislation/119-s-524)
- [119-s-51: Washington, D.C. Admission Act](https://policyrisk.com/legislation/119-s-51)
- [119-s-5108: Right to IVF Act of 2026](https://policyrisk.com/legislation/119-s-5108)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-3698 (as of 2026-04-21).