Congress eliminates copays for opioid addiction treatment nationwide
H.R. 10254 — MORE Savings Act · Filed by Madeleine Dean (D-PA) · Introduced Sep 3, 2026 · Referred to committee
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What it does
This bill eliminates cost-sharing (copays, coinsurance, deductibles) for opioid addiction treatment under Medicare and private health insurance, and requires coverage of medication-assisted treatment, overdose reversal drugs, and recovery support services. It also tests a Medicare model in 15 high-need states and increases federal Medicaid funding to 90% for addiction treatment services.
Why we flagged it
The bill's core mechanism is a mandate to eliminate cost-sharing barriers and expand coverage for evidence-based opioid addiction treatment across Medicare and private insurance. This is a public health intervention designed to increase treatment access during the opioid crisis.
What the text implies
- The 15-state Medicare pilot may create geographic disparities in access if selected states do not represent all regions; beneficiaries in non-pilot states remain subject to cost-sharing.
- Elimination of cost-sharing may increase utilization and program costs; the bill does not specify budget offsets or payment rate adjustments to insurers.
The full analysis lists 4 implications of this text.
Who stands to gain
Individuals with opioid use disorder (primary beneficiary — reduced out-of-pocket costs); Medication-assisted treatment providers and behavioral health clinics (increased patient volume, red; Pharmaceutical manufacturers of opioid addiction medications (increased utilization)