ACA Copay CAP Act of 2025

This bill amends the Affordable Care Act to establish an annual out-of-pocket spending cap for prescription drug cost-sharing under health insurance plans. For 2027, it sets a $2,000 limit for self-only coverage and $4,000 for family coverage (twice the self-only amount). The cap adjusts annually based on premium changes, rounded to the nearest $50 increment. It directly affects ACA planholders with prescription drug coverage, limiting their yearly cost-sharing expenses for medications starting in 2027.