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S. 3400119th CongressIn committeeLatest action Dec 9, 2025Decoded by AI · checked against the record
The plain-language version leads. The official text is always the reference.
Ally's Act (S 3400) would require most private health plans to cover implantable hearing devices, surgery, and follow-up care starting January 1, 2026.
50-second read · 4 questions answered below
Ally's Act would require most private health insurance plans to cover cochlear implants, bone conduction implants, external sound processors, related surgery, hearing assessments, pre- and post-surgery visits, repairs, and rehabilitation services. Plans would also be required to cover an upgrade or replacement of these devices every five years. Insurers could not override a doctor's or audiologist's determination that a device is medically necessary.
People with significant hearing loss who currently face high costs or coverage denials for implantable hearing devices would be most directly affected. Employers who sponsor health plans and insurance companies would need to update their coverage to comply, beginning with plan years starting January 1, 2026.
Employers and insurers would be required to revise existing plan structures to meet the new coverage and parity standards, including grandfathered plans that predate the Affordable Care Act. The bill does not affect Medicare or Medicaid, leaving those programs under separate rules.
AI-drafted summary. Verify it against the official text before you act on it. Read the official bill on Congress.gov
Right now: a Senate committee is reviewing it. If the House changes it, it goes back to the Senate before reaching the President.
Latest action: — Read twice and referred to the Committee on Health, Education, Labor, and Pensions.