I 
119TH CONGRESS 
2D SESSION 
H. R. 7227 
To amend the Public Health Service Act, the Employee Retirement Income 
Security Act of 1974, and the Internal Revenue Code of 1986 to require 
that group health plans and health insurance issuers offering group 
or individual health insurance that provide coverage for mental health 
services and substance use disorder services provide such services without 
the imposition of cost-sharing from the diagnosis of pregnancy through 
the 1-year period following such pregnancy, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
JANUARY 22, 2026 
Ms. MOORE of Wisconsin (for herself, Mrs. DINGELL, Mrs. MCBATH, Ms. 
STANSBURY, Mr. TORRES of New York, Mrs. WATSON COLEMAN, Ms. 
DELBENE, Ms. SEWELL, Mr. HORSFORD, Ms. DEAN of Pennsylvania, 
Ms. TLAIB, Mr. COHEN, Ms. LEE of Pennsylvania, Mr. GOTTHEIMER, 
Mr. JOHNSON of Georgia, Ms. TITUS, Mr. THANEDAR, and Ms. NORTON) 
introduced the following bill; which was referred to the Committee on En-
ergy and Commerce, and in addition to the Committees on Education and 
Workforce, Ways and Means, and Oversight and Government Reform, for 
a period to be subsequently determined by the Speaker, in each case for 
consideration of such provisions as fall within the jurisdiction of the com-
mittee concerned 
A BILL 
To amend the Public Health Service Act, the Employee Re-
tirement Income Security Act of 1974, and the Internal 
Revenue Code of 1986 to require that group health plans 
and health insurance issuers offering group or individual 
health insurance that provide coverage for mental health 
services and substance use disorder services provide such 
services without the imposition of cost-sharing from the 
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diagnosis of pregnancy through the 1-year period fol-
lowing such pregnancy, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Mental Health and 
Making Access More Affordable Act of 2026’’ or the 
‘‘Mental Health and MAMA Act of 2026’’. 
SEC. 2. COST SHARING WITH RESPECT TO MENTAL HEALTH 
SERVICES AND SUBSTANCE USE DISORDER 
SERVICES FOR PREGNANT AND POSTPARTUM 
INDIVIDUALS. 
(a) PHSA.— 
(1) 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 
new section: 
‘‘SEC. 2799A–11. COST SHARING REQUIREMENTS WITH RE-
SPECT TO MENTAL HEALTH SERVICES AND 
SUBSTANCE USE DISORDER SERVICES FOR 
PREGNANT AND POSTPARTUM INDIVIDUALS. 
‘‘(a) IN GENERAL.—In the case of a group health 
plan or a health insurance issuer offering group or indi-
vidual health insurance coverage that provides a benefit 
for mental health services or substance use disorder serv-
ices (including such services which are telehealth services 
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and are provided under such plan or coverage) with re-
spect to plan years beginning on or after the date that 
is 2 years after the date of enactment of this section, the 
plan or coverage shall not impose any cost sharing require-
ment for such services that are furnished by an in-network 
provider to a participant, beneficiary, or enrollee under the 
plan or coverage from the diagnosis of pregnancy (as de-
fined by the Secretary) through the 1-year period begin-
ning on the day after the last day of such pregnancy of 
such participant, beneficiary, or enrollee (or, in the case 
of an individual enrolled in such plan or coverage for a 
portion of such period, during such portion). 
‘‘(b) DEFINITIONS.—In this section: 
‘‘(1) The terms ‘mental health services’ and 
‘substance use disorder services’ have the meaning 
given such terms for purposes of section 2726. 
‘‘(2) The term ‘telehealth service’ means a serv-
ice that is furnished through telehealth technologies 
(as defined in section 330I(a)).’’. 
(2) CONTINUITY OF CARE.—Section 2799A–3 
of the Public Health Service Act (42 U.S.C. 300gg– 
113) is amended— 
(A) in subsection (a)(2)(C), by inserting ‘‘, 
in the case of a continuing care patient de-
scribed in subsection (b)(1)(D)(ii), the date on 
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which such individual is no longer such a con-
tinuing care patient with respect to such pro-
vider or facility, or in the case of a continuing 
care patient described in subsection (b)(1) other 
than in subparagraph (D)(ii) of such sub-
section,’’ after ‘‘is provided and ending on’’; 
and 
(B) by amending subsection (b)(1)(D) to 
read as follows: 
‘‘(D)(i) is pregnant and undergoing a 
course of treatment for the pregnancy from the 
provider or facility; or 
‘‘(ii)(I) requires mental health services 
or substance use disorder services from a 
provider or facility following a pregnancy; 
‘‘(II) received a course of treat-
ment from such provider or facility 
while pregnant; and 
‘‘(III) the last day of such preg-
nancy occurred during the previous 1- 
year period; or’’. 
(b) ERISA.— 
(1) IN GENERAL.—Subpart B of part 7 of sub-
title B of title I of the Employee Retirement Income 
Security Act of 1974 (29 U.S.C. 1185 et seq.) is 
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amended by adding at the end the following new sec-
tion: 
‘‘SEC. 726. COST SHARING REQUIREMENTS WITH RESPECT 
TO MENTAL HEALTH SERVICES AND SUB-
STANCE USE DISORDER SERVICES FOR PREG-
NANT AND POSTPARTUM INDIVIDUALS. 
‘‘(a) IN GENERAL.—In the case of a group health 
plan or a health insurance issuer offering group health in-
surance coverage that provides a benefit for mental health 
services or substance use disorder services (including such 
services which are telehealth services and are provided 
under such plan or coverage) with respect to plan years 
beginning on or after the date that is 2 years after the 
date of enactment of this section, the plan or coverage 
shall not impose any cost sharing requirement for such 
services that are furnished by an in-network provider to 
a participant or beneficiary under the plan or coverage 
from the diagnosis of pregnancy (as defined by the Sec-
retary) through the 1-year period beginning on the day 
after the last day of such pregnancy of such participant 
or beneficiary (or, in the case of an individual enrolled in 
such plan or coverage for a portion of such period, during 
such portion). 
‘‘(b) DEFINITIONS.—In this section: 
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‘‘(1) The terms ‘mental health services’ and 
‘substance use disorder services’ have the meaning 
given such terms for purposes of section 712. 
‘‘(2) The term ‘telehealth service’ means a serv-
ice that is furnished through telehealth technologies 
(as defined in section 330I(a) of the Public Health 
Service Act).’’. 
(2) CONTINUITY OF CARE.—Section 718 of the 
Employee Retirement Income Security Act of 1974 
(29 U.S.C. 1185g) is amended— 
(A) in subsection (a)(2)(C), by inserting ‘‘, 
in the case of a continuing care patient de-
scribed in subsection (b)(1)(D)(ii), the date on 
which such individual is no longer such a con-
tinuing care patient with respect to such pro-
vider or facility, or in the case of a continuing 
care patient described in subsection (b)(1) other 
than in subparagraph (D)(ii) of such sub-
section,’’ after ‘‘is provided and ending on’’; 
and 
(B) by amending subsection (b)(1)(D) to 
read as follows: 
‘‘(D)(i) is pregnant and undergoing a 
course of treatment for the pregnancy from the 
provider or facility; or 
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‘‘(ii)(I) requires mental health services 
or substance use disorder services from a 
provider or facility following a pregnancy; 
‘‘(II) received a course of treat-
ment from such provider or facility 
while pregnant; and 
‘‘(III) the last day of such preg-
nancy occurred during the previous 1- 
year period; or’’. 
(3) CLERICAL AMENDMENT.—The table of con-
tents in section 1 of the Employee Retirement In-
come Security Act of 1974 (29 U.S.C. 1001 et seq.) 
is amended by inserting after the item relating to 
section 725 the following new item: 
‘‘Sec. 726. Cost sharing requirements with respect to mental health services 
and substance use disorder services for pregnant and 
postpartum individuals.’’. 
(c) IRC.— 
(1) IN
GENERAL.—Subchapter B of chapter 
100 of the Internal Revenue Code of 1986 is amend-
ed by adding at the end the following new section: 
‘‘SEC. 9826. COST SHARING REQUIREMENTS WITH RESPECT 
TO MENTAL HEALTH SERVICES AND SUB-
STANCE USE DISORDER SERVICES FOR PREG-
NANT AND POSTPARTUM INDIVIDUALS. 
‘‘(a) IN GENERAL.—In the case of a group health 
plan that provides a benefit for mental health services or 
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substance use disorder services (including such services 
which are telehealth services and are provided under such 
plan) with respect to plan years beginning on or after the 
date that is 2 years after the date of enactment of this 
section, the plan shall not impose any cost sharing require-
ment for such services that are furnished by an in-network 
provider to a participant or beneficiary under the plan 
from the diagnosis of pregnancy (as defined by the Sec-
retary) through the 1-year period beginning on the day 
after the last day of such pregnancy of such participant 
or beneficiary (or, in the case of an individual enrolled in 
such plan for a portion of such period, during such por-
tion). 
‘‘(b) DEFINITIONS.—In this section: 
‘‘(1) The terms ‘mental health services’ and 
‘substance use disorder services’ have the meaning 
given such terms for purposes of section 9812. 
‘‘(2) The term ‘telehealth service’ means a serv-
ice that is furnished through telehealth technologies 
(as defined in section 330I(a) of the Public Health 
Service Act).’’. 
(2) CONTINUITY
OF
CARE.—Section 9818 of 
the Internal Revenue Code of 1986 is amended— 
(A) in subsection (a)(2)(C), by inserting ‘‘, 
in the case of a continuing care patient de-
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