Your out-of-pocket drug costs would count toward your health plan limits.
The Every Dollar Counts Act of 2026 would make sure that any money you spend out-of-pocket on prescription drugs counts toward your health insurance deductible and out-of-pocket maximum. This would apply even if you choose to buy the drug without using your insurance benefits at the time. This change could help people reach their health plan limits faster, potentially reducing their overall spending.
Today, money spent on drugs without using health insurance benefits often doesn't count toward your deductible or out-of-pocket maximum. If this bill becomes law, those out-of-pocket drug costs would be required to count, helping you reach your health plan limits sooner. This change would start for plan years beginning on or after January 1, 2027.
HR 8270 · 119th Congress · April 14, 2026 · AI Summary by gemini-2.5-flash · 8/10
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Amounts reflect total quarterly lobbying spend reported to the Senate, not bill-specific spending. Source: Senate LDA filings.