Making Insulin Affordable for All Children Act

This bill requires private health insurance plans to cover insulin for people under age 26 without deductibles, capping out-of-pocket costs at $35 per 30-day supply or 25% of the negotiated price (whichever is lower). It mandates coverage of multiple insulin types and formulations (like rapid-acting, long-acting, and premixed) to ensure access to various treatment options. The rule applies to employer-sponsored plans, ACA marketplace plans, and similar coverage starting in 2026. It directly affects young adults (up to age 26) managing diabetes who rely on private insurance for insulin.