Primary and Behavioral Health Care Access Act of 2026
Sponsored By: Representative Underwood, Lauren [D-IL-14]
Introduced
Summary
Guaranteed no-cost primary and behavioral health visits. This bill would require group and individual health plans governed by ERISA, the Public Health Service Act, and the Internal Revenue Code to cover 3 primary care visits and 3 behavioral health visits per plan year with no cost-sharing and with equal treatment limits and reimbursement as comparable visits.
Show full summary
- Families and patients: Households would have up to 3 primary care visits and 3 behavioral health visits each plan year with no copays, coinsurance, or deductibles. That reduces up-front cost barriers for routine care and mental health support.
- Workers and employers: People in employer-sponsored plans would get the same no-cost visits under ERISA rules. Plan sponsors must ensure coverage meets the bill’s definitions and eligibility rules.
- Plans and providers: Insurers must not impose more restrictive treatment limits or lower reimbursement for these visits. The bill defines qualified providers, including pediatricians, family physicians, advanced practice nurses, psychiatrists, and therapists.
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Bill Overview
Analyzed Economic Effects
2 provisions identified: 2 benefits, 0 costs, 0 mixed.
Keep HSA eligibility for visits
If enacted, the bill would treat those covered 3 primary care and 3 behavioral health visits as exceptions to high-deductible health plan deductible rules for purposes of health savings account (HSA) eligibility. That would let people in HDHPs use these visits without counting them toward the plan deductible and preserve HSA qualification. The rule would apply for plan years that begin two years after enactment.
Three no-cost primary and behavioral visits
If enacted, group and individual health plans would have to cover, with no cost-sharing, 3 primary care visits and 3 behavioral health visits each plan year. The visits would count per plan year. Treatment limits and reimbursement for these visits could not be more restrictive or less favorable than for similar visits. This would be in addition to preventive services already required to be covered without cost-sharing. The rule would start for plan years that begin two years after enactment.
Sponsors & CoSponsors
Sponsor
Underwood, Lauren [D-IL-14]
IL • D
Cosponsors
Rep. Schrier, Kim [D-WA-8]
WA • D
Sponsored 6/11/2026
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov