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Regulatory or Legal Changes Top 2
No-Cost OTC Contraceptive Coverage Mandate
Requires health insurers to cover all FDA-approved over-the-counter contraceptives with no cost-sharing, even without a prescription, and clarifies that existing law requires coverage of all approved prescription contraceptives.
- Population Scope High The mandate directly affects the approximately 62–75 million women of reproductive age with private or group health insurance, well over 25% of the adult female population.
- Budgetary Magnitude Low No funds are authorized or appropriated; costs fall on private insurers, not the federal treasury.
- Legal / Regulatory Depth High Creates a new statutory entitlement — enforceable, no-cost coverage of all FDA-approved OTC contraceptives without a prescription — that did not exist under prior law, binding the entire private insurance market.
- Degree of Discretion Granted Low Mandatory 'shall clarify' language leaves the Secretaries of Health and Human Services, Labor, and the Treasury no discretion over whether to act or what the coverage floor must be.
- Implementation & Enforcement Burden Medium Extends existing ACA contraceptive-coverage enforcement infrastructure to a new product class, requiring insurers to update benefit designs and three agencies to issue coordinated guidance — a recurring compliance obligation rather than new enforcement infrastructure.
- Temporal Commitment High Binds insurers and agencies indefinitely; persists until Congress affirmatively acts to repeal or amend it.
No signal yet
Regulatory or Legal Changes Top 2
Retailer Non-Interference with OTC Contraceptive Access
Prohibits retailers that stock OTC contraceptives from blocking customers' access to those products or to accurate information about them, while allowing refusal only when a customer cannot pay.
- Population Scope Medium Applies to all retailers nationwide that stock OTC contraceptives — a broad commercial class — and directly affects tens of millions of potential purchasers, though the practical reach is narrower than the insurance mandate above.
- Budgetary Magnitude Low No funds are authorized or appropriated; the provision imposes conduct requirements on private retailers without directing any federal spending.
- Legal / Regulatory Depth Medium Establishes a new federal prohibition on retailer interference with OTC contraceptive access, but without naming an enforcement agency or penalty regime, limiting its operative legal bite to a conduct standard rather than a fully enforceable statutory scheme.
- Degree of Discretion Granted Low Imposes a flat prohibition with a single narrow carve-out for non-payment; no agency is granted rulemaking or adjudicatory discretion under this section.
- Implementation & Enforcement Burden Low No enforcement agency, penalties, or compliance mechanism is specified, leaving the provision without infrastructure to generate a meaningful enforcement burden.
- Temporal Commitment High Binds retailers indefinitely; persists until Congress affirmatively acts to repeal or amend it.
No signal yet
No possible riders have been surfaced for this bill.
Summary
This bill requires health insurance plans to cover over-the-counter (OTC) contraceptives without any cost-sharing, meaning patients pay nothing out of pocket. It directs three federal agencies to clarify that existing law already requires coverage of all Food and Drug Administration (FDA)-approved contraceptives, including OTC products, without a prescription. It also prohibits retailers that stock OTC contraceptives from blocking customers' access to those products.
AI-generated summary, pending human review.
| Version | Event | Date | User support | Your vote | Roll calls |
|---|---|---|---|---|---|
| Original |
Initial publication
Sep 24, 2026
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Sep 24, 2026 | No votes yet | — | — |
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Regulatory or Legal Changes Top 2
No-Cost OTC Contraceptive Coverage Mandate
Requires health insurers to cover all FDA-approved over-the-counter contraceptives with no cost-sharing, even without a prescription, and clarifies that existing law requires coverage of all approved prescription contraceptives.
- Population Scope High The mandate directly affects the approximately 62–75 million women of reproductive age with private or group health insurance, well over 25% of the adult female population.
- Budgetary Magnitude Low No funds are authorized or appropriated; costs fall on private insurers, not the federal treasury.
- Legal / Regulatory Depth High Creates a new statutory entitlement — enforceable, no-cost coverage of all FDA-approved OTC contraceptives without a prescription — that did not exist under prior law, binding the entire private insurance market.
- Degree of Discretion Granted Low Mandatory 'shall clarify' language leaves the Secretaries of Health and Human Services, Labor, and the Treasury no discretion over whether to act or what the coverage floor must be.
- Implementation & Enforcement Burden Medium Extends existing ACA contraceptive-coverage enforcement infrastructure to a new product class, requiring insurers to update benefit designs and three agencies to issue coordinated guidance — a recurring compliance obligation rather than new enforcement infrastructure.
- Temporal Commitment High Binds insurers and agencies indefinitely; persists until Congress affirmatively acts to repeal or amend it.
No signal yet
Regulatory or Legal Changes
No-Cost OTC Contraceptive Coverage Mandate
Regulatory or Legal Changes Top 2
Retailer Non-Interference with OTC Contraceptive Access
Prohibits retailers that stock OTC contraceptives from blocking customers' access to those products or to accurate information about them, while allowing refusal only when a customer cannot pay.
- Population Scope Medium Applies to all retailers nationwide that stock OTC contraceptives — a broad commercial class — and directly affects tens of millions of potential purchasers, though the practical reach is narrower than the insurance mandate above.
- Budgetary Magnitude Low No funds are authorized or appropriated; the provision imposes conduct requirements on private retailers without directing any federal spending.
- Legal / Regulatory Depth Medium Establishes a new federal prohibition on retailer interference with OTC contraceptive access, but without naming an enforcement agency or penalty regime, limiting its operative legal bite to a conduct standard rather than a fully enforceable statutory scheme.
- Degree of Discretion Granted Low Imposes a flat prohibition with a single narrow carve-out for non-payment; no agency is granted rulemaking or adjudicatory discretion under this section.
- Implementation & Enforcement Burden Low No enforcement agency, penalties, or compliance mechanism is specified, leaving the provision without infrastructure to generate a meaningful enforcement burden.
- Temporal Commitment High Binds retailers indefinitely; persists until Congress affirmatively acts to repeal or amend it.
No signal yet
Regulatory or Legal Changes
Retailer Non-Interference with OTC Contraceptive Access
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