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Every Dollar Counts Act: Drug costs count toward insurance limits

This bill requires health insurance plans to count what you pay for drugs toward your deductible and out-of-pocket maximum, even if you don't use your insurance for the purchase. This helps patients reach their coverage limits faster when paying cash or using discount cards.
Key points
Out-of-pocket drug costs will count toward your annual deductible and spending limits.
Insurance companies must track these payments even if you choose to bypass your plan's benefits at the pharmacy.
The rules apply to insurance plans starting on or after January 1, 2027.
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Status:
Introduced
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Additional Information
Every Dollar Counts Act of 2026
Print number: HR 8270
Sponsor: Rep. Murphy, Gregory F. [R-NC-3]
Process start date: 2026-04-14