US Federal House Bill HB7227

US Federal 2025-2026 Regular Session

• Introduced: 1/22/26
• Refer: 1/22/26

Caption

Mental Health and MAMA Act of 2026

Impact

The bill also proposes amendments to the Public Health Service Act, the Employee Retirement Income Security Act of 1974, and the Internal Revenue Code of 1986. By mandating that insurance plans provide these services without imposing cost-sharing, the bill reinforces the importance of mental health during and after pregnancy. It is expected to raise awareness about maternal mental health while ensuring that healthcare providers deliver essential services without financial burdens to the patients during a vulnerable phase of life.

Summary

House Bill 7227, known as the Mental Health and Making Access More Affordable Act of 2026, aims to modify group health insurance and health plans by prohibiting cost-sharing for mental health services and substance use disorder services. These services must be accessible at no additional charge for a designated period that spans from the diagnosis of pregnancy until one year following the end of the pregnancy. This initiative seeks to enhance access to crucial mental health resources for pregnant and postpartum individuals, addressing their mental wellness needs promptly and adequately.

Contention

While the bill has garnered significant support from various advocacy groups and health professionals who argue it is a step towards comprehensive maternal healthcare, there might be contention regarding the financial implications for insurance providers and potential increases in premiums to cover the lack of cost-sharing. Critics could also express concerns over the broader impact of such mandates on healthcare regulations and the insurance landscape, potentially complicating or changing the existing frameworks negatively.