Mental Health and MAMA Act of 2026

This bill requires health insurance plans to cover mental health and substance use disorder services without copays, deductibles, or other out-of-pocket costs for pregnant and postpartum individuals. It applies to in-network providers and includes telehealth services, covering care from pregnancy diagnosis through the first year after birth. The law takes effect for plan years beginning two years after enactment. It directly affects individuals enrolled in employer-sponsored or individual health insurance plans who need mental health support during pregnancy and the postpartum period.