Bills · S 4189
REPORTED· 119TH CONGRESS
Senate BillS 4189Civil actions and liabilityDrug safety, medical device, and laboratory regulation
INSULIN Act of 2026
This bill limits insulin costs for people with private insurance, removes the requirement to meet a deductible before coverage kicks in, and creates new support programs for uninsured individuals.AI-written
INTRO MAR 25· LAST ACTION AUG 7
READING
57MIN
COSPONSORS
28BIPARTISAN
READER REACTIONS0 TOTAL
NO VOTES YET · BE THE FIRST
- Introduced only
tl;dr
AI-writtenCaps insulin costs at $35 for people with private insurance, bans insurance companies from charging deductibles for the drug, and forces drug-industry middle-men to pass savings back to health plans.
LEGISLATIVE PROGRESS
STEP 3 / 8Introduced
In Committee
Reported
Passed Senate
Passed House
Conference
To President
Became Law
WHAT THE BILL DOES
AI-writtenInsulin prices have increased dramatically over the last decade, leading many patients to skip doses or ration their supply, which can be life-threatening. While recent laws capped insulin costs for people on Medicare, those with private insurance were often left out. This bill attempts to close that gap and ensure that everyone with insurance can afford their life-saving medication. It also targets the 'middle-men' in the drug industry, known as Pharmacy Benefit Managers, by requiring them to pass savings from drug manufacturers directly to the health plans, which could theoretically lower overall costs.
KEY PROVISIONS
5AI-extractedPROVISION 01
Caps out-of-pocket insulin costs at $35 per 30-day supply for private insurance plans.
It provides price certainty and prevents patients from being charged hundreds of dollars for a single prescription.
PROVISION 02
Eliminates deductibles for selected insulin products in the commercial market.
Patients can access the $35 rate immediately on January 1st rather than waiting until they spend thousands of dollars out of pocket first.
PROVISION 03
Requires Pharmacy Benefit Managers (PBMs) to pass 100% of insulin rebates to the health plan.
This aims to reduce the financial incentive for middle-men to favor high-priced drugs that offer larger kickbacks.
PROVISION 04
Removes 'prior authorization' hurdles for most insulin prescriptions.
It prevents insurance companies from delaying access to medicine through paperwork or extra approval steps.
PROVISION 05
Establishes a pilot program and a national hotline for uninsured individuals.
It creates a safety net for those who don't have any health coverage and are most at risk of price gouging.
SPONSORSHIP
1 + 28
D· New Hampshire
YRS IN OFFICE
17
BILLS LED
99
COSPONSOR BREAKDOWNBIPARTISAN · 96%
DEM 13 REP 14 IND 1
ACTION TIMELINE
7 EVENTSAUG 7
Committee on Health, Education, Labor, and Pensions. Reported by Senator Cassidy with an amendment in the nature of a substitute. Without written report.
AUG 7
Placed on Senate Legislative Calendar under General Orders. Calendar No. 552.
JUL 22
Committee on Health, Education, Labor, and Pensions. Ordered to be reported with an amendment in the nature of a substitute favorably.
MAR 25
Introduced in Senate
BILL INFO
TypeSenate Bill
NumberS 4189
Congress119th
StatusReported
IntroducedMar 25, 2026
Last actionAug 7, 2026
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REPORTED· 119TH CONGRESS · HEALTH, EDUCATION, LABOR, AND PENSIONS COMMITTEE · INTRODUCED MAR 25, 2026
Senate BillS 4189Civil actions and liabilityDrug safety, medical device, and laboratory regulation
INSULIN Act of 2026
This bill limits insulin costs for people with private insurance, removes the requirement to meet a deductible before coverage kicks in, and creates new support programs for uninsured individuals.AI-written
INTRODUCED MAR 25, 2026· LAST ACTION AUG 7, 2026
PASSAGE CHANCES
—%
READING
57 min
COSPONSORS
28
COMPLEXITY
Moderate
