Mental Health and MAMA Act of 2026

HR 7227, the Mental Health and MAMA Act of 2026, eliminates cost-sharing (like copays or deductibles) for mental health and substance use treatment services during pregnancy and for one year after childbirth. It directly affects pregnant and postpartum individuals covered by group health plans or individual insurance policies, requiring these plans to cover such services with no out-of-pocket costs from pregnancy diagnosis through the 12-month period following birth. The law applies to in-network providers and includes telehealth services, with implementation delayed until two years after enactment. It amends key laws including the Public Health Service Act, ERISA, and the Internal Revenue Code to standardize this coverage requirement across health insurance systems. This policy change aims to improve access to care during a critical health period without altering existing coverage definitions.