This bill, known as Ally's Act, aims to significantly expand health insurance coverage for individuals requiring auditory assistance. It amends the Public Health Service Act, ERISA, the Internal Revenue Code, and the Affordable Care Act to mandate that certain private health insurance plans and group health plans provide comprehensive coverage for hearing devices and related services. The legislation specifically targets "qualifying individuals" who are determined by a physician or qualified audiologist to need an auditory implant device and external sound processor. The required coverage includes a wide range of items and services essential for auditory health. This encompasses auditory implant devices , such as osseointegrated and cochlear implants, along with their external sound processors . Plans must also cover the maintenance and repair of these devices, as well as their upgrade or replacement every five years. Beyond the devices themselves, the bill mandates coverage for necessary associated care, including comprehensive hearing assessments, preoperative medical assessments, and surgery. Postoperative medical and audiological visits for activation and fitting, along with aural rehabilitation and treatment services, are also required. Crucially, the bill stipulates that financial requirements and treatment limitations for these services must be no more restrictive than those applied to substantially all other medical and surgical benefits. Furthermore, plans are prohibited from denying or limiting coverage for any of these items or services if deemed medically necessary by a physician or qualified audiologist. These new requirements will apply to plan years beginning on or after January 1, 2026, and extend to grandfathered health plans.