This legislation, known as the ACA Copay CAP Act of 2025, proposes to amend the Patient Protection and Affordable Care Act by establishing a new annual out-of-pocket limit specifically for prescription drug costs. The primary goal is to enhance affordability and protect patients from excessive spending on necessary medications. Effective for plan years beginning on or after January 1, 2027 , the bill mandates that annual cost-sharing for prescription drugs under a health plan cannot exceed a specified dollar amount. For individuals with self-only coverage , this limit will initially be $2,000 in 2027, while those with other than self-only coverage will have a limit of $4,000 . Starting in 2028, the self-only limit will be adjusted annually based on the premium adjustment percentage, with the other coverage limit remaining double the self-only amount. Any increase will be rounded down to the nearest $50 multiple, ensuring predictable cost caps for consumers.