This legislative proposal aims to significantly reduce the cost of insulin for young people covered by private health plans. Beginning January 1, 2026, it mandates specific cost-sharing limits for individuals aged 26 and younger across various private health insurance structures. Under this bill, group health plans and health insurance issuers offering group or individual coverage will be prohibited from applying any deductible to selected insulin products . Furthermore, for a 30-day supply of these products, cost-sharing cannot exceed the lesser of $35 or 25 percent of the negotiated price, after accounting for all price concessions. This provision ensures that out-of-pocket expenses for essential insulin remain affordable. The term "selected insulin products" refers to at least one of each dosage form and type of insulin, as chosen by the health plan or issuer. All cost-sharing payments made under these new limits will count towards an individual's annual deductible and out-of-pocket maximums. The bill amends the Public Health Service Act, the Employee Retirement Income Security Act (ERISA), and the Internal Revenue Code to ensure broad application, including to catastrophic plans. This comprehensive approach seeks to make insulin more accessible and affordable for a vulnerable population.