INSULIN Act of 2026

• People with employer or individual private plans would get selected insulin with no deductible and cost-sharing capped at $35 per 30-day supply for plan years before January 1, 2028. For plan years on or after January 1, 2028 the cap would be the lesser of $35 or 25 percent of the negotiated price and cost-sharing would count toward deductibles and out-of-pocket maximums.
• Pharmacy benefit managers, third-party administrators, and entities providing PBM services would have to remit 100 percent of rebates and other remuneration related to insulin to the group health plan, provide full disclosure within 90 days, and give plan sponsors annual audit rights.
• The bill would fund a five-year pilot to help uninsured people get insulin and create a national insulin resource center and 24/7 hotline. It authorizes $100.0 million per year for ten State grants and $2.0 million per year for the resource center, and it directs HHS and FDA to study market delays and speed review processes for biosimilar insulin.

*This bill would increase federal spending by authorizing $100.0 million per year for State grants and $2.0 million per year for the resource center, unless Congress enacts offsets as the bill itself recommends.*