YourVoice.Now Summary
Your MoneyTransparency & AccountabilityHealth plans would cover opioid addiction care with no copays from 2027 — Medicare would test the same in 15 states.
Your Money
Job-based and individual health plans would have to cover drugs that treat opioid addiction or reverse an overdose. They would also cover counseling, licensed live-in treatment, and recovery help like peer counseling and rides, with no copay, coinsurance, or deductible.
States could choose to have Medicaid pay for recovery help, like peer counseling and rides, given along with addiction medicine. Whether you get it depends on your state.
Medicare would run a test in 15 states that drops copays, coinsurance, and deductibles for addiction drugs, overdose-reversal drugs, counseling, and recovery help. It covers Part B, Part D, and Medicare Advantage, and must start within six months.
Transparency & Accountability
Medicare must normally end or change a test unless experts expect it to improve care or save money without making the other worse. That rule would not apply to this test until it has run five years.
More about this bill
If you get health insurance through work or buy your own plan, it would have to cover opioid addiction care. You would pay no copay, coinsurance, or deductible for it. This covers drugs that treat opioid addiction or reverse an overdose. It also covers counseling, care in licensed live-in treatment centers, and recovery help such as peer counseling and rides. The rule starts with plan years that begin on or after January 1, 2027. Medicare would also test dropping these costs for its members in 15 states. The states must have many Medicare members, high opioid overdose death rates, and large rural areas. The test must start within six months after the bill becomes law. The usual rule that ends tests that raise costs or hurt care would not apply for its first five years. For Medicaid, the federal government would pay 90% of what states spend on addiction medicine and related counseling. Today its share is 50% to 83%, depending on the state. States could also choose to add recovery help, like peer counseling and rides, to that Medicaid care.
Congressional Summary
Maximizing Opioid Recovery Emergency Savings Act or the MORE Savings Act This bill modifies coverage of opioid treatments and recovery support services under Medicare, Medicaid, and private health insurance. Specifically, the bill requires the Center for Medicare and Medicaid Innovation to test a model in which specified opioid treatments and recovery support services are provided under Medicare without cost-sharing (e.g., coinsurance, copayments, and deductibles). The bill also allows state Medicaid programs to cover recovery support services as part of medication-assisted treatment (MAT) and increases the applicable Federal Medical Assistance Percentage for MAT. Additionally, beginning in 2027, private health insurers must cover specified opioid treatments and MAT-associated recovery support services without cost-sharing.
Details
- Congress
- 119th
- Chamber
- House
- Status
- summarized
- Action
- Introduced in House
- Action Date
- 2026-09-03
- Date Added
- 2026-10-07
- Source
- Congress.gov →
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