The bill expands access to medically necessary human milk fortifier for eligible infants and reduces family out-of-pocket costs by requiring coverage without cost-sharing across Medicaid, CHIP, and many private plans, but it shifts costs to state Medicaid programs and insurers—potentially raising premiums, stressing state budgets, and causing implementation delays.
Infants (under 1 year) who meet medical-necessity criteria will receive medically necessary human milk fortifier without cost-sharing starting Jan 1, 2026, because Medicaid, CHIP, and private group and individual plans are required to cover it.
Low-income families and parents will face lower out-of-pocket costs for medically necessary human milk fortifier due to the no-cost-sharing requirement under Medicaid, CHIP, and covered private plans.
Clinicians and eligible infants will benefit from standardized medical-necessity criteria (gestational age ≤34 weeks, birth weight <1800 g, low current weight, or qualifying condition), which clarifies eligibility and supports consistent coverage decisions.
State Medicaid programs will incur added costs to cover the new benefit, creating budgetary pressure for state governments and potentially requiring offsets or budget adjustments.
Private insurers and employer plans face increased coverage and no-cost-sharing requirements, which could lead to higher premiums or employer plan costs that are passed on to middle-class families and small businesses over time.
States that require enabling legislation or administrative changes may experience implementation delays and transition costs, potentially delaying beneficiary access in some jurisdictions.
Based on analysis of 2 sections of legislative text.
Requires Medicaid and CHIP to cover donor human milk–derived fortifier for eligible infants and bans cost-sharing, starting Jan 1, 2026.
Introduced July 21, 2025 by Morgan McGarvey · Last progress July 21, 2025
Requires Medicaid and CHIP plans to cover human milk fortifier for eligible infants and bars any cost-sharing for that product beginning January 1, 2026. It defines covered “human milk fortifier” as a donor human milk–derived specialty nutritional product for infants under one year when a qualified clinician determines it is medically necessary for prematurity, low birth weight/insufficient growth, or certain congenital/acquired conditions.