PlainBillCongress, translated.Legislation. Context. Public interest.Referred to the Committee on Energy and Commerce, and in addition to the Committees on Ways and Means, and Education and Workforce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Congressional Research Service
Version 00 · Introduced in House · Sep 3, 2026
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.
People & committees
Rep. Dean, Madeleine [D-PA-4] · D–PA
Legislative record
A procedural vote is different from passage. Passage in one chamber does not establish enactment. Explore the glossary.
Referred to the Committee on Energy and Commerce, and in addition to the Committees on Ways and Means, and Education and Workforce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Referred to the Committee on Energy and Commerce, and in addition to the Committees on Ways and Means, and Education and Workforce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Referred to the Committee on Energy and Commerce, and in addition to the Committees on Ways and Means, and Education and Workforce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Introduced in House
Introduced in House
Primary sources
Text links open the official source. We also preserved the text version used in the PlainBill explanation below.
Source last updated: Oct 6, 2026. Consult Congress.gov for the current record.
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PlainBill explanation
Based on the full Introduced in House · 2026-09-03 text. This explanation has not received human editorial review. This overview describes the proposal’s major provisions; it does not establish what its real-world effects would be.
The bill would reduce patients’ out-of-pocket costs for opioid addiction treatment and overdose-reversal medicines. It would require a Medicare test in 15 states that removes patient charges for specified services already covered, and require group health plans and insurers offering group or individual coverage to cover specified treatments and recovery services without patient cost-sharing. It would also set the federal share of qualifying Medicaid treatment spending at 90% during a specified statutory period and let states include certain recovery support services.
by eliminating coinsurance, copayments, and deductibles otherwise applicable under parts B and D of title XVIII (including as such parts are applied under part C of such title) for the following items and services that are otherwise covered under such parts
The CMI shall select 15 States in which to conduct the model under this subparagraph.
A group health plan and a health insurance issuer offering group or individual health insurance coverage shall, at a minimum, with respect to a participant, beneficiary, or enrollee in the plan or coverage, provide coverage for and shall not impose any cost-sharing requirements for—
during the portion of the period described in subsection (a)(29) that begins on the date of enactment of this sentence, the Federal medical assistance percentage shall be 90 percent
at the option of a State, includes recovery support services, such as peer counseling and transportation
Section 1 would name the legislation the “Maximizing Opioid Recovery Emergency Savings Act,” or “MORE Savings Act.”
This Act may be cited as the Maximizing Opioid Recovery Emergency Savings Act or the MORE Savings Act.
Section 2 would require the Medicare test to begin no later than six months after enactment.
and shall include the model described in subparagraph (D) (which shall be implemented by not later than six months after the date of the enactment of the Maximizing Opioid Recovery Emergency Savings Act)
The Medicare test would eliminate coinsurance, copayments and deductibles—the portions patients pay—for specified items and services already covered under Parts B and D, including when those parts apply through Part C. The listed medicines include drugs and biological products prescribed or furnished to treat opioid use disorders or reverse overdose.
by eliminating coinsurance, copayments, and deductibles otherwise applicable under parts B and D of title XVIII (including as such parts are applied under part C of such title) for the following items and services that are otherwise covered under such parts: (I) Drugs and biologicals prescribed or furnished to treat opioid use disorders or reverse overdose.
The Medicare test would also remove patient cost-sharing for already-covered behavioral health and community support treatment, including addiction treatment in licensed residential facilities outside hospitals. It would include already-covered recovery support services, such as peer counseling and transportation, to help people maintain a healthy lifestyle after treatment.
for the following items and services that are otherwise covered under such parts
(II) Behavioral health and community support services furnished for the treatment of opioid use disorders, including treatment of addiction in non-hospital residential facilities licensed to furnish such treatment. (III) Recovery support services to maintain a healthy lifestyle following opioid misuse treatment, such as peer counseling and transportation.
The administrator identified as CMI would select 15 states for the Medicare test. Each selected state would need a high proportion of Medicare beneficiaries, a high opioid-overdose death rate and a significant percentage of rural areas. The provision gives no numerical thresholds for these criteria.
The CMI shall select 15 States in which to conduct the model under this subparagraph. A State shall meet each of the following criteria in order to be selected under the preceding sentence: (I) The State has a high proportion of Medicare beneficiaries. (II) The State has a high rate of overdose deaths due to opioids. (III) The State has a significant percentage of rural areas.
The existing termination and modification provision referenced in Section 2 would not apply to the Medicare test during its first five years. It would begin applying on the fifth anniversary of implementation; this language does not itself require the test to end then.
Termination and modification provision not applicable for first five years of the model The provisions of paragraph (3)(B) shall apply to the model under this subparagraph beginning on the date that is five years after such model is implemented, but shall not apply to such model prior to such date.
Section 3 would require group health plans and insurers offering group or individual coverage to cover prescription drugs for opioid use disorders or overdose reversal without patient cost-sharing. It would also require coverage without patient cost-sharing for behavioral health treatment, including treatment in licensed residential facilities outside hospitals.
A group health plan and a health insurance issuer offering group or individual health insurance coverage shall, at a minimum, with respect to a participant, beneficiary, or enrollee in the plan or coverage, provide coverage for and shall not impose any cost-sharing requirements for— (1) prescription drugs for the treatment of opioid use disorders or to reverse overdose; (2) behavioral health services for the treatment of opioid use disorders, including treatment of opioid use disorders in non-hospital residential facilities licensed to provide such treatment;
The coverage requirement would also include community recovery support services, such as peer counseling and transportation, without patient cost-sharing. The text links these services, where appropriate, to medication-assisted treatment—treatment using medicines—for an opioid use disorder, to support a healthy lifestyle after treatment.
provide coverage for and shall not impose any cost-sharing requirements for—
(3) community recovery support services that are provided in conjunction with, where appropriate, medication-assisted treatment for an opioid use disorder, such as peer counseling and transportation, to support the participant, beneficiary, or enrollee in maintaining a healthy lifestyle following opioid misuse treatment.
Section 3 would add parallel coverage requirements to the Public Health Service Act, the Employee Retirement Income Security Act of 1974 and the Internal Revenue Code. These amendments would apply to plan years beginning on or after January 1, 2027, rather than necessarily starting midway through an existing plan year.
Part D of title XXVII of the Public Health Service Act (42 U.S.C. 300gg–111 et seq.) is amended by adding at the end the following
Subpart B of part 7 of subtitle B of title I of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1185 et seq.) is amended by adding at the end the following
Chapter 100 of the Internal Revenue Code of 1986 is amended by adding at the end the following
The amendments made by subsection (a) shall apply with respect to plan years beginning on or after January 1, 2027.
Section 4 would set the federal Medicaid matching rate—the federal government's share of qualifying state spending—at 90% for medication-assisted treatment in the 50 states and the District of Columbia. It would apply to spending during the portion of an existing statutory period beginning on enactment. The bill does not reproduce that period’s endpoint.
Notwithstanding the first sentence of this subsection, during the portion of the period described in subsection (a)(29) that begins on the date of enactment of this sentence, the Federal medical assistance percentage shall be 90 percent with respect to amounts expended during such portion of such period by a State that is one of the 50 States or the District of Columbia as medical assistance for medication-assisted treatment (as defined in subsection (ee)(1)).
States could choose to include recovery support services within Medicaid’s definition of medication-assisted treatment. Examples include peer counseling and transportation, provided alongside the referenced drugs and biological products to support a healthy lifestyle after opioid misuse treatment.
Section 1905(ee)(1) of the Social Security Act (42 U.S.C. 1396d(ee)(1)) is amended
(C) at the option of a State, includes recovery support services, such as peer counseling and transportation, that are provided to an individual in conjunction with the provision of such drugs and biological products to support the individual in maintaining a healthy lifestyle following opioid misuse treatment.
The supplied actions snapshot, updated October 6, 2026, records introduction in the House on September 3, 2026, and referral that day to the Energy and Commerce, Ways and Means, and Education and Workforce committees. This snapshot does not establish subsequent action or enactment.
Source snapshot updated 2026-10-06T19:42:14Z.
2026-09-03: Introduced in House
2026-09-03: Referred to the Committee on Energy and Commerce, and in addition to the Committees on Ways and Means, and Education and Workforce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
A closer look
Reviewed version: Introduced in House · 2026-09-03. These findings describe provisions and who may benefit; they are not judgments of waste, corruption, or motive.
This review covers the supplied bill text. “None identified” does not rule out provisions in later versions or accompanying reports and disclosures.
Provisions outside the bill’s main subject, or policy changes attached to appropriations.
None identified in the reviewed text
No unrelated provision or policy rider was identified in the complete supplied introduced text. This conclusion is limited to that version and does not establish absence in other versions or accompanying materials.
Spending directed to particular recipients or places outside ordinary competitive or formula-based allocation.
None identified in the reviewed text
No congressionally directed spending for a particular recipient or place outside program selection or statutory matching rules was identified in the complete supplied introduced text. This conclusion does not establish absence in other versions or accompanying materials.
Narrow exceptions, exemptions, or preferential treatment that warrant a closer look.
None identified in the reviewed text
No materially narrow preferential carve-out was identified in the complete supplied introduced text beyond the programs’ intended coverage and administration. This conclusion is limited to that version and does not establish absence in other versions or accompanying materials.
Full text preserved for this analysis. Legislative record snapshot: Oct 6, 2026. How PlainBill uses AI