This bill aims to ensure comprehensive, no-cost coverage for human milk fortifier across various health programs. It amends titles XIX and XXI of the Social Security Act, pertaining to Medicaid and the Children's Health Insurance Program (CHIP) , respectively. Additionally, it modifies title XXVII of the Public Health Service Act to include coverage requirements for group health plans and individual health insurance coverage , with most provisions becoming effective on January 1, 2026. The legislation defines "human milk fortifier" as a donor human milk-derived product for infants under one year of age. Coverage is mandated when a specified professional determines it is medically necessary due to the infant's gestational age (34 weeks or less), low birth weight (under 1800 grams), or a congenital or acquired condition that the fortifier would improve or aid in recovery. A "specified professional" includes physicians, nurse practitioners, physician's assistants, and registered dietitians. A key aspect of the bill is the explicit prohibition of any deductions, cost sharing, or similar charges for human milk fortifier. This applies universally to Medicaid, CHIP, and private health insurance plans, ensuring that eligible infants receive this critical nutritional support without financial barriers for their families. States requiring legislative changes for CHIP implementation are granted an exception until their next legislative session.