Behavioral Health Crisis Services Expansion Act of 2026

The Behavioral Health Crisis Services Expansion Act of 2026 mandates that Medicare, Medicaid, and most private health insurance plans cover mental health and substance use crisis response services for individuals experiencing acute episodes. These covered services include care provided by mobile crisis teams, urgent care facilities, and stabilization centers that offer short-term observation without rejecting patients based on their ability to pay or other factors. The legislation also requires ambulance providers to transport individuals in crisis to appropriate facilities and extends coverage requirements to TRICARE, veterans' benefits, federal employee health plans, and the Children's Health Insurance Program. These new coverage mandates generally take effect three years after the bill is enacted, with specific provisions ensuring that financial restrictions on these services are no more severe than those applied to standard medical care.