Mental Health and Making Access More Affordable Act of 2026; Mental Health and MAMA Act of 2026
Summary
The Mental Health and Making Access More Affordable Act of 2026 aims to eliminate cost-sharing for mental health and substance use disorder services for pregnant and postpartum individuals. This applies to group health plans and health insurance issuers offering such coverage. The bill amends the Public Health Service Act, ERISA, and the Internal Revenue Code to achieve this goal.
Expected Effects
The Act will likely increase access to mental health and substance use disorder services for pregnant and postpartum individuals by removing financial barriers. This could lead to improved maternal and infant health outcomes. The changes would take effect two years after the enactment date.
Potential Benefits
- Increased access to mental health and substance use disorder services for pregnant and postpartum individuals.
- Reduced financial burden on families during and after pregnancy.
- Improved maternal and infant health outcomes.
- Potential for early intervention and prevention of mental health issues.
- Telehealth services are included, expanding access to care.
Potential Disadvantages
- Potential increase in health insurance premiums for all members due to the elimination of cost-sharing for a specific group.
- Increased administrative burden for insurance companies to implement the changes.
- Possible delays in accessing services due to increased demand.
- The definition of 'pregnancy' is left to the Secretary, potentially leading to inconsistent application.
- The Act only applies to in-network providers, limiting choice for some individuals.
Most Disadvantaged Areas:
Constitutional Alignment
This bill appears to align with the general welfare clause of the Constitution, as it aims to improve public health by increasing access to mental health services for pregnant and postpartum individuals. The bill does not appear to infringe on any specific constitutional rights. The enacting of laws related to healthcare falls under the implied powers of Congress.
Impact Assessment: Things You Care About ⓘ
This action has been evaluated across 19 key areas that matter to you. Scores range from 1 (highly disadvantageous) to 5 (highly beneficial).