INSULIN Act of 2026

(a) Short title.— This Act may be cited as the “Improving Needed Safeguards for Users of Lifesaving Insulin Now Act of 2026” or the “INSULIN Act of 2026”.

(b) Table of contents.— The table of contents for this Act is as follows:

It is the sense of Congress that Congress should enact subsequent legislation that provides for an offset for any costs to the Federal Government resulting from the enactment of this Act.

(a) In general.— Part D of title XXVII of the Public Health Service Act (42 U.S.C. 300gg–111 et seq.) is amended by adding at the end the following:

“2799A–12. Requirements with respect to cost-sharing for certain insulin products.—

(a) In general.— For plan years beginning on or after January 1, 2027, a group health plan or health insurance issuer offering group or individual health insurance coverage shall provide coverage of selected insulin products, and with respect to such products, shall not—

(1) apply any deductible; or

(2) impose any cost-sharing requirements in excess of, per 30-day supply—

(A) for any applicable plan year beginning before January 1, 2028, $35; or

(B) for any plan year beginning on or after January 1, 2028, the lesser of—

(i) $35; or

(ii) the amount equal to 25 percent of the negotiated price of the selected insulin product net of all price concessions received by or on behalf of the plan or issuer, including price concessions received by or on behalf of third-party entities providing services to the plan or issuer, such as pharmacy benefit management services or third party administrators.

(b) Definitions.— In this section:

(1) Selected insulin products.— The term selected insulin products means, for any plan year beginning on or after January 1, 2027, at least one of each dosage form (such as vial, pen, or inhaler dosage forms) of each different type (such as rapid-acting, short-acting, intermediate-acting, long-acting, and pre-mixed) of insulin, when such form is licensed and marketed, as selected by the group health plan or health insurance issuer.

(2) Insulin.— The term insulin means insulin that is licensed under subsection (a) or (k) of section 351 and continues to be marketed pursuant to such licensure.

(c) Out-of-Network providers.— Nothing in this section requires a plan or issuer that has a network of providers to provide benefits for selected insulin products described in this section that are delivered by an out-of-network provider, or precludes a plan or issuer that has a network of providers from imposing higher cost-sharing than the levels specified in subsection (a) for selected insulin products described in this section that are delivered by an out-of-network provider.

(d) Rule of construction.— Subsection (a) shall not be construed to require coverage of, or prevent a group health plan or health insurance issuer from imposing cost-sharing other than the levels specified in subsection (a) on, insulin products that are not selected insulin products, to the extent that such coverage is not otherwise required and such cost-sharing is otherwise permitted under Federal and applicable State law.

(e) Application of cost-Sharing towards deductibles and out-of-Pocket maximums.— Any cost-sharing payments made pursuant to subsection (a)(2) shall be counted toward any deductible or out-of-pocket maximum that applies under the plan or coverage.

(f) Other requirements.— A group health plan or health insurance issuer offering group or individual health insurance coverage shall not impose, directly or through an entity providing pharmacy benefit management services, any prior authorization or other medical management requirement, or other similar conditions, on selected insulin products, except as clinically justified for safety reasons, to ensure reasonable quantity limits and as specified by the Secretary.”.

(b) No effect on other cost-Sharing.— Section 1302(d)(2) of the Patient Protection and Affordable Care Act (42 U.S.C. 18022(d)(2)) is amended by adding at the end the following new subparagraph:

“(D) Special rule relating to insulin coverage.— For plans years beginning on or after January 1, 2028, the exemption of coverage of selected insulin products (as defined in section 2799A–12(b) of the Public Health Service Act) from the application of any deductible pursuant to section 2799A–12(a)(1) of such Act, section 727(a)(1) of the Employee Retirement Income Security Act of 1974, or section 9827(a)(1) of the Internal Revenue Code of 1986 shall not be considered when determining the actuarial value of a qualified health plan under this subsection.”.

(c) Coverage of certain insulin products under catastrophic plans.— Section 1302(e) of the Patient Protection and Affordable Care Act (42 U.S.C. 18022(e)) is amended by adding at the end the following:

“(4) Coverage of certain insulin products.—

(A) In general.— Notwithstanding paragraph (1)(B)(i), for plan years beginning on or after January 1, 2027, a health plan described in paragraph (1) shall provide coverage of selected insulin products, in accordance with section 2799A–12 of the Public Health Service Act, before an enrolled individual has incurred, during the plan year, cost-sharing expenses in an amount equal to the annual limitation in effect under subsection (c)(1) for the plan year.

(B) Terminology.— For purposes of subparagraph (A)—

(i) the term selected insulin products has the meaning given such term in section 2799A–12(b) of the Public Health Service Act; and

(ii) the requirements of section 2799A–12 of such Act shall be applied by deeming each reference in such section to “individual health insurance coverage” to be a reference to a plan described in paragraph (1).”.

(d) ERISA.—

(1) In general.— Subpart B of part 7 of subtitle B of title I of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1185 et seq.) is amended by adding at the end the following:

“727. Requirements with respect to cost-sharing for certain insulin products.—

(a) In general.— For plan years beginning on or after January 1, 2027, a group health plan or health insurance issuer offering group health insurance coverage shall provide coverage of selected insulin products, and with respect to such products, shall not—

(1) apply any deductible; or

(2) impose any cost-sharing requirements in excess of, per 30-day supply—

(A) for any applicable plan year beginning before January 1, 2028, $35; or

(B) for any plan year beginning on or after January 1, 2028, the lesser of—

(i) $35; or

(ii) the amount equal to 25 percent of the negotiated price of the selected insulin product net of all price concessions received by or on behalf of the plan or issuer, including price concessions received by or on behalf of third-party entities providing services to the plan or issuer, such as pharmacy benefit management services or third party administrators.

(b) Definitions.— In this section:

(1) Selected insulin products.— The term selected insulin products means, for any plan year beginning on or after January 1, 2027, at least one of each dosage form (such as vial, pen, or inhaler dosage forms) of each different type (such as rapid-acting, short-acting, intermediate-acting, long-acting, and pre-mixed) of insulin, when such form is licensed and marketed, as selected by the group health plan or health insurance issuer.

(2) Insulin.— The term insulin means insulin that is licensed under subsection (a) or (k) of section 351 of the Public Health Service Act (42 U.S.C. 262) and continues to be marketed pursuant to such licensure.

(c) Out-of-Network providers.— Nothing in this section requires a plan or issuer that has a network of providers to provide benefits for selected insulin products described in this section that are delivered by an out-of-network provider, or precludes a plan or issuer that has a network of providers from imposing higher cost-sharing than the levels specified in subsection (a) for selected insulin products described in this section that are delivered by an out-of-network provider.

(d) Rule of construction.— Subsection (a) shall not be construed to require coverage of, or prevent a group health plan or health insurance issuer from imposing cost-sharing other than the levels specified in subsection (a) on, insulin products that are not selected insulin products, to the extent that such coverage is not otherwise required and such cost-sharing is otherwise permitted under Federal and applicable State law.

(e) Application of cost-Sharing towards deductibles and out-of-Pocket maximums.— Any cost-sharing payments made pursuant to subsection (a)(2) shall be counted toward any deductible or out-of-pocket maximum that applies under the plan or coverage.

(f) Other requirements.— A group health plan or health insurance issuer offering group health insurance coverage shall not impose, directly or through an entity providing pharmacy benefit management services, any prior authorization or other medical management requirement, or other similar conditions, on selected insulin products, except as clinically justified for safety reasons, to ensure reasonable quantity limits and as specified by the Secretary.”.

(2) Clerical amendment.— The table of contents in section 1 of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1001 et seq.) is amended by inserting after the item relating to section 726 the following:

(e) Internal Revenue Code.—

(1) In general.— Subchapter B of chapter 100 of the Internal Revenue Code of 1986 is amended by adding at the end the following:

“9827. Requirements with respect to cost-sharing for certain insulin products.—

(a) In general.— For plan years beginning on or after January 1, 2027, a group health plan shall provide coverage of selected insulin products, and with respect to such products, shall not—

(1) apply any deductible; or

(2) impose any cost-sharing requirements in excess of, per 30-day supply—

(A) for any applicable plan year beginning before January 1, 2028, $35; or

(B) for any plan year beginning on or after January 1, 2028, the lesser of—

(i) $35; or

(ii) the amount equal to 25 percent of the negotiated price of the selected insulin product net of all price concessions received by or on behalf of the plan, including price concessions received by or on behalf of third-party entities providing services to the plan, such as pharmacy benefit management services or third party administrators.

(b) Definitions.— In this section:

(1) Selected insulin products.— The term selected insulin products means, for any plan year beginning on or after January 1, 2027, at least one of each dosage form (such as vial, pen, or inhaler dosage forms) of each different type (such as rapid-acting, short-acting, intermediate-acting, long-acting, and pre-mixed) of insulin, when such form is licensed and marketed, as selected by the group health plan.

(2) Insulin.— The term insulin means insulin that is licensed under subsection (a) or (k) of section 351 of the Public Health Service Act (42 U.S.C. 262) and continues to be marketed pursuant to such licensure.

(c) Out-of-Network providers.— Nothing in this section requires a plan that has a network of providers to provide benefits for selected insulin products described in this section that are delivered by an out-of-network provider, or precludes a plan that has a network of providers from imposing higher cost-sharing than the levels specified in subsection (a) for selected insulin products described in this section that are delivered by an out-of-network provider.

(d) Rule of construction.— Subsection (a) shall not be construed to require coverage of, or prevent a group health plan from imposing cost-sharing other than the levels specified in subsection (a) on, insulin products that are not selected insulin products, to the extent that such coverage is not otherwise required and such cost-sharing is otherwise permitted under Federal and applicable State law.

(e) Application of cost-Sharing towards deductibles and out-of-Pocket maximums.— Any cost-sharing payments made pursuant to subsection (a)(2) shall be counted toward any deductible or out-of-pocket maximum that applies under the plan.

(f) Other requirements.— A group health plan shall not impose, directly or through an entity providing pharmacy benefit management services, any prior authorization or other medical management requirement, or other similar conditions, on selected insulin products, except as clinically justified for safety reasons, to ensure reasonable quantity limits and as specified by the Secretary.”.

(2) Clerical amendment.— The table of sections for subchapter B of chapter 100 of such Code is amended by adding at the end the following new item:

(a) ERISA.— Section 732(a) of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1191a(a)) is amended by striking “section 711” and inserting “sections 711 and 727”.

(b) IRC.— The Internal Revenue Code of 1986 is amended—

(1) in section 9831(a), by adding at the end the following flush text:

(2) in section 4980D(d)(1), by striking “section 9811” and inserting “section 9811 or 9827”.

(a) Implementation.— Notwithstanding any other provision of law, the Secretary of Health and Human Services, the Secretary of Labor, and the Secretary of the Treasury may implement the provisions of, including the amendments made by, this title for plan years that begin on or after January 1, 2027, and end not later than January 1, 2030, by subregulatory guidance, program instruction, or otherwise.

(b) Non-Application of the Paperwork Reduction Act.— Chapter 35 of title 44, United States Code (commonly referred to as the “Paperwork Reduction Act of 1995”), shall not apply to the provisions of, including the amendments made by, this title.

(a) PHSA.— Part D of title XXVII of the Public Health Service Act (42 U.S.C. 300gg–111 et seq.), as amended by section 101, is further amended by adding at the end the following:

“2799A–13. Full rebate on insulin pass-through to plan.—

(a) In general.— A pharmacy benefits manager, a third-party administrator of a group health plan, a health insurance issuer offering group health insurance coverage, or an entity providing pharmacy benefits management services under such health plan or health insurance coverage shall remit 100 percent of rebates, fees, alternative discounts, and all other remuneration received from a pharmaceutical manufacturer, distributor or any other third party, that are related to utilization of insulin under such health plan or health insurance coverage, to the group health plan.

(b) Form and manner of remittance.— Such rebates, fees, alternative discounts, and other remuneration shall be—

(1) remitted to the group health plan in a timely fashion after the period for which such rebates, fees, or other remuneration is calculated, and in no case later than 90 days after the end of such period;

(2) fully disclosed and enumerated to the group health plan sponsor; and

(3) available for audit by the plan sponsor, or a third-party designated by a plan sponsor no less than once per plan year.”.

(b) ERISA.—

(1) In general.— Subpart B of part 7 of subtitle B of title I of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1185 et seq.), as amended by section 101, is further amended by adding at the end the following:

“728. Full rebate on insulin pass-through to plan.—

(a) In general.— A pharmacy benefits manager, a third-party administrator of a group health plan, a health insurance issuer offering group health insurance coverage, or an entity providing pharmacy benefits management services under such health plan or health insurance coverage shall remit 100 percent of rebates, fees, alternative discounts, and all other remuneration received from a pharmaceutical manufacturer, distributor or any other third party, that are related to utilization of insulin under such health plan or health insurance coverage, to the group health plan.

(b) Form and manner of remittance.— Such rebates, fees, alternative discounts, and other remuneration shall be—

(1) remitted to the group health plan in a timely fashion after the period for which such rebates, fees, or other remuneration is calculated, and in no case later than 90 days after the end of such period;

(2) fully disclosed and enumerated to the group health plan sponsor; and

(3) available for audit by the plan sponsor, or a third-party designated by a plan sponsor no less than once per plan year.”.

(2) Clerical amendment.— The table of contents in section 1 of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1001 et seq.), as amended by section 101, is further amended by inserting after the item relating to section 727 the following:

(c) Internal Revenue Code.—

(1) In general.— Subchapter B of chapter 100 of the Internal Revenue Code of 1986, as amended by section 101, is further amended by adding at the end the following new section:

“9828. Full rebate on insulin pass-through to plan.—

(a) In general.— A pharmacy benefits manager, a third-party administrator of a group health plan, or an entity providing pharmacy benefits management services under such health plan shall remit 100 percent of rebates, fees, alternative discounts, and all other remuneration received from a pharmaceutical manufacturer, distributor or any other third party, that are related to utilization of insulin under such health plan, to the group health plan.

(b) Form and manner of remittance.— Such rebates, fees, alternative discounts, and other remuneration shall be—

(1) remitted to the group health plan in a timely fashion after the period for which such rebates, fees, or other remuneration is calculated, and in no case later than 90 days after the end of such period;

(2) fully disclosed and enumerated to the group health plan sponsor; and

(3) available for audit by the plan sponsor, or a third-party designated by a plan sponsor no less than once per plan year.”.

(2) Clerical amendment.— The table of sections for subchapter B of chapter 100 of such Code, as amended by section 101, is further amended by adding at the end the following new item:

Section 505(q) of the Federal Food, Drug, and Cosmetic Act (21 U.S.C. 355(q)) is amended—

(1) in paragraph (1)—

(A) in subparagraph (A)(i), by inserting “, 10.31,” after “10.30”;

(B) in subparagraph (E)—

(i) by striking “application and” and inserting “application or”;

(ii) by striking “If the Secretary” and inserting the following:

“(i) In general.— If the Secretary”; and

(iii) by striking the second sentence and inserting the following:

“(ii) Primary purpose of delaying.—

(I) In general.— In determining whether a petition was submitted with the primary purpose of delaying an application, the Secretary may consider the following factors:

(aa) Whether the petition was submitted in accordance with paragraph (2)(B), based on when the petitioner knew or reasonably should have known the relevant information relied upon to form the basis of such petition.

(bb) Whether the petitioner has submitted multiple or serial petitions or supplements to petitions raising issues that reasonably could have been known to the petitioner at the time of submission of the earlier petition or petitions.

(cc) Whether the petition was submitted close in time to a known, first date upon which an application under subsection (b)(2) or (j) of this section or section 351(k) of the Public Health Service Act could be approved.

(dd) Whether the petition was submitted without relevant data or information in support of the scientific positions forming the basis of such petition.

(ee) Whether the petition raises the same or substantially similar issues as a prior petition to which the Secretary has responded substantively already, including if the subsequent submission follows such response from the Secretary closely in time.

(ff) Whether the petition requests changing the applicable standards that other applicants are required to meet, including requesting testing, data, or labeling standards that are more onerous or rigorous than the standards the Secretary has determined to be applicable to the listed drug, reference product, or petitioner’s version of the same drug.

(gg) The petitioner's record of submitting petitions to the Food and Drug Administration that have been determined by the Secretary to have been submitted with the primary purpose of delay.

(hh) Other relevant and appropriate factors, which the Secretary shall describe in guidance.

(II) Guidance.— The Secretary may issue or update guidance, as appropriate, to describe factors the Secretary considers in accordance with subclause (I).”;

(C) by adding at the end the following:

“(iii) Referral to the Federal Trade Commission.— The Secretary shall establish procedures for referring to the Federal Trade Commission any petition or supplement to a petition that the Secretary determines was submitted with the primary purpose of delaying approval of an application. Such procedures shall include notification to the petitioner by the Secretary.”;

(D) by striking subparagraph (F);

(E) by redesignating subparagraphs (G) through (I) as subparagraphs (F) through (H), respectively; and

(F) in subparagraph (H), as so redesignated, by striking “submission of this petition” and inserting “submission of this document”;

(2) in paragraph (2)—

(A) by redesignating subparagraphs (A) through (C) as subparagraphs (C) through (E), respectively;

(B) by inserting before subparagraph (C), as so redesignated, the following:

“(A) In general.— A person shall submit a petition to the Secretary under paragraph (1) before filing a civil action in which the person seeks to set aside, delay, rescind, withdraw, or prevent submission, review, or approval of an application submitted under subsection (b)(2) or (j) of this section or section 351(k) of the Public Health Service Act. Such petition and any supplement to such a petition shall describe all information and arguments that form the basis of the relief requested in any civil action described in the previous sentence.

(B) Timely submission of citizen petition.— A petition and any supplement to a petition shall be submitted within 60 days after the person knew, or reasonably should have known, the information that forms the basis of the request made in the petition or supplement.”;

(C) in subparagraph (C), as so redesignated—

(i) in the heading, by striking “within 150 days”;

(ii) in clause (i), by striking “during the 150-day period referred to in paragraph (1)(F),”; and

(iii) by amending clause (ii) to read as follows:

“(ii) on or after the date that is 151 days after the date of submission of the petition, the Secretary approves or has approved the application that is the subject of the petition without having made such a final decision.”;

(D) by amending subparagraph (D), as so redesignated, to read as follows:

“(D) Dismissal of certain civil actions.—

(i) Petition.— If a person files a civil action against the Secretary in which a person seeks to set aside, delay, rescind, withdraw, or prevent submission, review, or approval of an application submitted under subsection (b)(2) or (j) of this section or section 351(k) of the Public Health Service Act without complying with the requirements of subparagraph (A), the court shall dismiss without prejudice the action for failure to exhaust administrative remedies.

(ii) Timeliness.— If a person files a civil action against the Secretary in which a person seeks to set aside, delay, rescind, withdraw, or prevent submission, review, or approval of an application submitted under subsection (b)(2) or (j) of this section or section 351(k) of the Public Health Service Act without complying with the requirements of subparagraph (B), the court shall dismiss with prejudice the action for failure to timely file a petition.

(iii) Final response.— If a civil action is filed against the Secretary with respect to any issue raised in a petition timely filed under paragraph (1) in which the petitioner requests that the Secretary take any form of action that could, if taken, set aside, delay, rescind, withdraw, or prevent submission, review, or approval of an application submitted under subsection (b)(2) or (j) of this section or section 351(k) of the Public Health Service Act before the Secretary has taken final agency action on the petition within the meaning of subparagraph (C), the court shall dismiss without prejudice the action for failure to exhaust administrative remedies.”; and

(E) in clause (iii) of subparagraph (E), as so redesignated, by striking “as defined under subparagraph (2)(A)” and inserting “within the meaning of subparagraph (C)”; and

(3) in paragraph (4)—

(A) by striking “Exceptions” and all that follows through “This subsection does” and inserting “Exceptions.—This subsection does”;

(B) by striking subparagraph (B); and

(C) by redesignating clauses (i) and (ii) as subparagraphs (A) and (B), respectively, and adjusting the margins accordingly.

(a) In general.— Section 351(k) of the Public Health Service Act (42 U.S.C. 262(k)) is amended by adding at the end the following:

“(10) Expediting competitive biosimilar competition.—

(A) In general.— The Secretary may, at the request of the sponsor of an application under this subsection for a biosimilar biological product that is designated as a competitive biosimilar therapy pursuant to subsection (b), expedite the development and review of such application under this subsection.

(B) Designation process.—

(i) Request.— The sponsor of an application under this subsection may request the Secretary to designate the drug as a competitive biosimilar therapy. A request for such designation may be made concurrently with, or at any time prior to, the submission of a biosimilar biological product license application under this subsection.

(ii) Criteria.— A biological product is eligible for designation as a competitive biosimilar therapy under this paragraph if the Secretary determines that there is inadequate biosimilar competition.

(iii) Designation.— Not later than 60 calendar days after the receipt of a request under clause (i), the Secretary may—

(I) determine whether the biosimilar biological product that is the subject of the request meets the criteria described in clause (ii); and

(II) if the Secretary finds that such product meets such criteria, designate the biosimilar biological product as a competitive biosimilar therapy.

(C) Actions.— In expediting the development and review of an application under subparagraph (A), the Secretary may, as requested by the applicant, take actions including the following:

(i) Hold meetings with the sponsor and the review team throughout the development of the biosimilar biological product prior to submission of the application under this subsection.

(ii) Provide timely advice to, and interactive communication with, the sponsor regarding the development of the drug to ensure that the development program to gather the data necessary for approval is as efficient as practicable.

(iii) Involve senior managers and experienced review staff, as appropriate, in a collaborative, coordinated review of such application, including with respect to biological product-device combination products and other complex products.

(iv) Assign a cross-disciplinary project lead—

(I) to facilitate an efficient review of the development program and application, including manufacturing inspections; and

(II) to serve as a scientific liaison between the review team and the applicant.

(D) Inspections.— With respect to an application described in subparagraph (A), in the case of an inspection report that finds approval of such biological product is dependent upon remediation of a facility, if the applicant attests that necessary changes have been made to the facility, the Secretary shall expedite reinspection of such facility, including establishing a set timeline to reinspect the facility or make a determination about the response of the applicant and whether to approve the application.

(E) Reporting requirement.— Not later than 1 year after the date of licensure under this subsection with respect to a biosimilar biological product for which the development and review is expedited under this paragraph, the holder of the license of such biosimilar biological product shall report to the Secretary on whether the biosimilar biological product has been marketed in interstate commerce since the date of such licensure.

(F) Inadequate biosimilar competition.— In this paragraph, the term inadequate biosimilar competition means, with respect to a biological product, there are fewer than 3 licensed biological products on the list published under paragraph (9)(A) (not including biological products on the discontinued section of such list) that are biosimilar biological products with the same reference product.”.

Not later than 1 year after the date of the enactment of this Act, the Secretary of Health and Human Services, in collaboration with the Administrator for the Centers for Medicare & Medicaid Services and the Commissioner of Food and Drugs, shall—

(1) complete a study to determine the extent of, and causes of, delays in getting insulin products to market, and the market dynamics and extent biosimilar biological product development and competition could increase, or is increasing, the number of biological products approved and available to patients, including by examining barriers to—

(A) placement of biosimilar biological products on health insurance formularies;

(B) market entry of insulin product in the United States, as compared to other highly developed nations; and

(C) patient and provider education around biosimilar biological products; and

(2) submit a report to Congress that describes the results of the study conducted pursuant to paragraph (1) and recommended policy solutions.

Part P of title III of the Public Health Service Act (42 U.S.C. 280g et seq.) is amended by adding at the end the following:

“399V–8. Pilot program for providing affordable insulin to uninsured individuals.—

(a) In general.— The Secretary shall conduct a 5-year pilot program under which the Secretary awards grants to 10 States for purposes of providing affordable insulin to uninsured individuals.

(b) Awards.— The Secretary shall award grants under this section to 10 States that—

(1) submit an application to the Secretary, at such time, in such manner, and containing such information as the Secretary may require; and

(2) have high rates of uninsured individuals and individuals diagnosed with diabetes, which may include high rates of newly diagnosed diabetes.

(c) Use of funds.— A State shall use the grant funds received under this section for any of the following purposes:

(1) To assist in the purchase or dispensing of insulin, through Federally qualified health centers and retail community pharmacies, for uninsured individuals.

(2) To enroll individuals in programs under which drug manufacturers provide financial or medication assistance to low-income individuals, in order to assist such individuals in obtaining insulin.

(3) To allow Federally qualified health centers to establish new, or maintain or expand existing, on-site pharmacies owned and operated by the health center that provide low-cost insulin to patients, and to allow retail community pharmacies to provide low-cost insulin to patients.

(4) To engage in other activities to assist uninsured individuals in obtaining insulin, as the Secretary determines appropriate.

(d) Formula.— The Secretary shall establish a formula for purposes of determining the grant amount under this section for each State. Such formula shall—

(1) provide for a minimum amount that will be provided to each State; and

(2) take into account the rates of individuals with type 1 or type 2, insulin-dependent diabetes and of uninsured individuals in each State for purposes of determining any additional amounts provided to a State.

(e) Accountability and Oversight.— A State receiving a grant under this section shall, not later than 1 year after receiving the grant, submit a report to the Secretary that includes—

(1) a description of the purposes for which the grant funds received by the State were expended in the preceding fiscal year, and the activities of the State under the grant during such year; and

(2) the number of individuals served through the grant.

(f) Definitions.— In this section:

(1) Affordable.— The term affordable, with respect to insulin, means that the out-of-pocket cost to the individual for the insulin is not more than $35 per 1-month supply.

(2) Federally-qualified health center.— The term Federally-qualified health center has the meaning given such term in section 1905(l)(2) of the Social Security Act.

(3) Insulin.— The term insulin means insulin that is licensed under subsection (a) or (k) of section 351 and continues to be marketed under such section.

(4) Retail community pharmacy.— The term retail community pharmacy has the meaning given such term in section 1927(k)(10) of the Social Security Act.

(5) Uninsured individual.— The term uninsured individual means an individual who—

(A) is a citizen of the United States or a qualified alien (as defined in section 431(b) of the Personal Responsibility and Work Opportunity Reconciliation Act of 1996);

(B) does not qualify for coverage under a Federal health care program (as defined in section 1128B(f) of the Social Security Act), the health program established under chapter 89 of title 5, United States Code, or a group health plan or group health insurance coverage (as defined in section 2791); and

(C) is not entitled to a premium assistance tax credit under section 36B of the Internal Revenue Code of 1986.

(g) Authorization of appropriations.— To carry out this section, there is authorized to be appropriated $100,000,000 for fiscal year 2027, to remain available until expended.”.

(a) In general.— The Comptroller General of the United States shall conduct a study, in consultation with patient, clinical, and provider groups and other experts, and not later than 2 years after the date of enactment of this Act, issue a report, on the characteristics of uninsured individuals who use insulin. Such study and report shall, to the extent data is available, include consideration of—

(1) any States or regions in which there is a higher prevalence of such individuals;

(2) any identifiable potential reasons for uninsured status;

(3) demographic characteristics of such individuals, such as race and ethnicity; and

(4) income level of such individuals.

(b) Definitions.— In this section, the terms insulin and uninsured individual have the meanings given such terms in section 399V–8 of the Public Health Service Act, as added by section 401.

(a) In general.— The Secretary of Health and Human Services (referred to in this section as the “Secretary”) shall award a grant to an eligible entity for purposes of—

(1) establishing and maintaining a resource center of assistance programs offered by manufactures or other entities that are available to uninsured individuals seeking affordable insulin; and

(2) conducting the public education activities described in subsection (c)(7).

(b) Eligible entities.— To be eligible to receive the grant under subsection (a), an entity shall—

(1) be a trade, industry, or professional association, community- and consumer-focused nonprofit entity, or other entity, as determined by the Secretary that—

(A) is capable of carrying out the duties described in subsection (c);

(B) meets the standards described in subsection (e); and

(C) provides information consistent with the standards developed under subsection (f); and

(2) submit an application to the Secretary, at such time, in such manner, and containing such information as the Secretary may require, including information demonstrating that the entity—

(A) has existing relationships, or could readily establish relationships, with consumers (including uninsured individuals), health care providers, manufacturers of insulin, social service providers, pharmacies, and other experts that the Secretary determines appropriate, to meet the goals of this section; and

(B) has, or will establish, partnerships with, and solicit feedback from, other entities in other industries, professional associations, and community- and consumer-focused nonprofit organizations, to meet the goals of this section.

(c) Duties.— An entity that receives a grant under this section shall—

(1) distribute fair and impartial information concerning eligibility for manufacturer, foundational, and other assistance programs available to patients seeking affordable insulin;

(2) facilitate enrollment in manufacturer assistance programs or other assistance programs for uninsured individuals;

(3) make available to the public, through a standardized website, a clearinghouse of support available to patients, including—

(A) a link to Federally qualified health centers and other providers, by ZIP Code;

(B) a link to retail community pharmacies, by ZIP Code; and

(C) information about how to enroll in health insurance;

(4) provide information in a manner that is culturally and linguistically appropriate;

(5) establish a hotline through which individuals may reach experts with questions about access to insulin, and that—

(A) is a 24/7 real-time hotline;

(B) provides voice and text support; and

(C) is staffed by navigators or licensed health care professionals;

(6) provide guidance to hospitals on how to share the website and hotline with patients; and

(7) conduct public education activities, in collaboration with the Department of Health and Human Services, to raise awareness of the availability of all manufacturer, foundational, and other assistance programs available to patients seeking affordable insulin, with a focus on uninsured individuals; including by—

(A) partnering with community health centers, hospitals, retail community pharmacies, and community-based organizations with a focus on access to affordable medicine; and

(B) working with State and local health departments to target the programs carried out using the grant to underserved communities.

(d) Duties of the Secretary.— The Secretary shall—

(1) ensure adequate maintenance of the resource center established by the entity receiving a grant under subsection (a);

(2) publicize such resource center on the website of the Department of Health and Human Services and across Federal agencies, as the Secretary determines appropriate; and

(3) ensure that such resource center meets the standards under subsection (e), and withdraw the grant and make an award to a different eligible entity in the case that an eligible entity fails to meet such standards.

(e) Standards.— The Secretary shall establish standards for the resource center under this section, including provisions to ensure that the entity receiving a grant under this section is qualified to engage in the activities described in this section and to avoid conflicts of interest. Under such standards, such entity—

(1) shall not—

(A) be a manufacturer of insulin products; or

(B) receive any consideration directly or indirectly from any manufacturer of insulin products in connection with the enrollment of any individuals in an assistance program; and

(2) shall provide information that is fair, accurate, and impartial.

(f) Data collection and evaluations.— The Secretary may collect data and conduct evaluations with respect to the services provided by the resource center described in this section for purposes of assessing the extent to which the provision of the services—

(1) reduces out of pocket insulin costs for uninsured individuals;

(2) increases awareness of assistance programs or foundational support available for uninsured individuals; and

(3) improves utilization of the resources described in paragraph (2) by uninsured individuals.

(g) Reports to Congress.— The Secretary shall submit to the Committee on Health, Education, Labor, and Pensions and the Committee on Appropriations of the Senate and the Committee on Energy and Commerce and the Committee on Appropriations of the House of Representatives, and make publicly available, annual reports on the activities carried out under this section, including any changes in the availability or scope of assistance programs offered by insulin manufacturers and information about the number of individuals who use the resource center, including the website or hotline.

(h) Definitions.— In this section—

(1) the term assistance program means a program to assist patients in obtaining a drug at a reduced cost, and includes third-party payments, financial assistance, discounts, product vouchers, and other reductions in out-of-pocket expenses;

(2) the term Federally-qualified health center has the meaning given such term in section 1905(l)(2) of the Social Security Act (42 U.S.C. 1396d(l)(2));

(3) the term insulin means insulin that is licensed under subsection (a) or (k) of section 351 of the Public Health Service Act (42 U.S.C. 262) and continues to be marketed pursuant to such licensure;

(4) the term retail community pharmacy has the meaning given such term in section 1927(k)(10) of the Social Security Act (42 U.S.C. 1396r–8(k)(10)); and

(5) the term uninsured individual means an individual who—

(A) does not qualify for coverage under a Federal health care program (as defined in section 1128B(f) of the Social Security Act (42 U.S.C. 1320a–7b(f))), the health program established under chapter 89 of title 5, United States Code, or a group health plan or group health insurance coverage (as defined in section 2791 of the Public Health Service Act (42 U.S.C. 300gg–91)); and

(B) is not entitled to a premium assistance tax credit under section 36B of the Internal Revenue Code of 1986.

(i) Funding.— To carry out this section, there are authorized to be appropriated $2,000,000 for each of fiscal years 2027 through 2032.