{
  "legislationId": "119_HR_8270",
  "lastUpdate": "2026-04-18T11:23:56.079Z",
  "history": [
    {
      "timestamp": "2026-04-18T11:23:56.079Z",
      "source_url": "https://www.congress.gov/119/bills/hr8270/BILLS-119hr8270ih.htm",
      "model": "gemini-flash-lite-latest",
      "prompt_sent": "\nROLE: Fact Checker.\nZADANIE: Porównaj SOURCE (oryginał) i SUMMARY (streszczenie przygotowane przez inne AI).\n\nTwoim celem jest wykrycie \"ZMYŚLONYCH KONKRETÓW\" (Fabricated Entities) w SUMMARY.\n\nSOURCE:\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 8270 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8270 To amend title XXVII of the Public Health Service Act, the Employee Retirement Income Security Act of 1974, and the Internal Revenue Code of 1986 to require out-of-pocket expenditures for drugs to count towards an individual's deductible and out-of-pocket maximum. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES April 14, 2026 Mr. Murphy (for himself, Mr. Moore of Utah, Mr. Barrett, Mr. Edwards, and Ms. Tenney) introduced the following bill; which was referred to the Committee on Energy and Commerce, and in addition to the Committees on Education and Workforce, and Ways and Means, 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 BILL To amend title XXVII of the Public Health Service Act, the Employee Retirement Income Security Act of 1974, and the Internal Revenue Code of 1986 to require out-of-pocket expenditures for drugs to count towards an individual's deductible and out-of-pocket maximum. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Every Dollar Counts Act of 2026''. SEC. 2. REQUIRING OUT-OF-POCKET EXPENDITURES FOR DRUGS TO COUNT TOWARDS AN INDIVIDUAL'S DEDUCTIBLE AND OUT-OF-POCKET MAXIMUM. (a) PHSA.--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 new section: ``SEC. 2799A-11. COUNTING OUT-OF-POCKET EXPENDITURES FOR CERTAIN DRUGS TOWARDS A DEDUCTIBLE AND OUT-OF-POCKET MAXIMUM. ``A group health plan and a health insurance issuer offering group or individual health insurance coverage shall, in the case of an individual enrolled under such plan or coverage who elects to purchase a drug for which benefits are available under such plan or coverage without applying such benefits, count any out-of-pocket expenditures incurred by such individual with respect to such drug towards any deductible and out-of-pocket maximum that would have applied had such individual applied such benefits.''. (b) ERISA.-- (1) In general.--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 new section: ``SEC. 726. COUNTING OUT-OF-POCKET EXPENDITURES FOR CERTAIN DRUGS TOWARDS A DEDUCTIBLE AND OUT-OF-POCKET MAXIMUM. ``A group health plan and a health insurance issuer offering group health insurance coverage shall, in the case of a participant or beneficiary enrolled under such plan or coverage who elects to purchase a drug for which benefits are available under such plan or coverage without applying such benefits, count any out-of-pocket expenditures incurred by such participant or beneficiary with respect to such drug towards any deductible and out-of-pocket maximum that would have applied had such participant or beneficiary applied such benefits.''. (2) Clerical amendment.--The table of contents in section 1 of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1001 note) is amended by inserting after the item relating to section 725 the following new item: ``Sec. 726. Counting out-of-pocket expenditures for certain drugs towards a deductible and out-of-pocket maximum.''. (c) IRC.-- (1) In general.--Subchapter B of chapter 100 of the Internal Revenue Code of 1986 is amended by adding at the end the following new section: ``SEC. 9826. COUNTING OUT-OF-POCKET EXPENDITURES FOR CERTAIN DRUGS TOWARDS A DEDUCTIBLE AND OUT-OF-POCKET MAXIMUM. ``A group health plan shall, in the case of an individual enrolled under such plan who elects to purchase a drug for which benefits are available under such plan without applying such benefits, count any out-of-pocket expenditures incurred by such individual with respect to such drug towards any deductible and out-of-pocket maximum that would have applied had such individual applied such benefits.''. (2) Clerical amendment.--The table of sections for subchapter B of chapter 100 of the Internal Revenue Code of 1986 is amended by adding at the end the following new item: ``Sec. 9826. Counting out-of-pocket expenditures for certain drugs towards a deductible and out-of-pocket maximum.''. (d) Conforming Amendments.-- (1) Best price.--Section 1927(c)(1)(C)(ii) of the Social Security Act (42 U.S.C. 1396r-8(c)(1)(C)(ii)) is amended-- (A) in subclause (IV), by striking ``and'' at the end; (B) in subclause (V), by striking the period at the end and inserting ``; and''; and (C) by adding at the end the following new subclause: ``(VI) shall exclude any reduction in price with respect to an individual purchasing such drug without applying any benefits under a group health plan (as defined in section 2791 of the Public Health Service Act), group or individual health insurance coverage (as so defined), or a Federal health care program (as defined in section 1128B but including the program established under chapter 89 of title 5, United States Code).''. (2) Average manufacturer price.--Section 1927(k)(1)(B)(i) of the Social Security Act (42 U.S.C. 1396r-8(k)(1)(B)(i)) is amended-- (A) in subclause (VII), by striking ``and'' at the end; (B) in subclause (VIII), by striking the period at the end and inserting ``; and''; and (C) by adding at the end the following new subclause: ``(IX) any reduction in price with respect to an individual purchasing such drug without applying any benefits under a group health plan (as defined in section 2791 of the Public Health Service Act), group or individual health insurance coverage (as so defined), or a Federal health care program (as defined in section 1128B but including the program established under chapter 89 of title 5, United States Code).''. (e) Effective Date.--The amendments made by subsections (a) through (c) shall apply with respect to plan years beginning on or after January 1, 2027. <all>\n\nSUMMARY TO EVALUATE:\nTitle: Every Dollar Counts Act: Drug costs count toward insurance limits\nSummary: This bill requires health insurance plans to count what you pay for drugs toward your deductible and out-of-pocket maximum, even if you don't use your insurance for the purchase. This helps patients reach their coverage limits faster when paying cash or using discount cards.\nKey Points: Out-of-pocket drug costs will count toward your annual deductible and spending limits., Insurance companies must track these payments even if you choose to bypass your plan's benefits at the pharmacy., The rules apply to insurance plans starting on or after January 1, 2027.\n\nZASADY OCENY:\n1. Sprawdź wszystkie LICZBY, DATY i KWOTY w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n2. Sprawdź wszystkie NAZWISKA, ORGANIZACJE i MIEJSCA w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n3. Sprawdź wszystkie konkretne DZIAŁANIA PRAWNE . Jeśli tego mechanizmu nie ma w SOURCE -> is_valid: false.\n\nWAŻNE: Abstrakcyjne pojęcia (np. \"transparentność\", \"zaufanie\") są dozwolone jako wnioski.\n\nOUTPUT (JSON):\n{\n  \"is_valid\": true/false,\n  \"issue\": \"fabricated_entity\" / \"contradiction\" / \"none\"\n}\n\nWYMAGANIA FORMATOWANIA:\n1. Odpowiedz WYŁĄCZNIE surowym obiektem JSON.\n2. NIE używaj bloków kodu Markdown.\n3. NIE dodawaj żadnych wstępów ani wyjaśnień przed ani po JSONie.\n4. JSON musi być poprawny i gotowy do parsowania.\n\n",
      "ai_response_raw": "{\n  \"is_valid\": true,\n  \"issue\": \"none\"\n}"
    },
    {
      "timestamp": "2026-04-18T11:15:28.718Z",
      "source_url": "https://www.congress.gov/119/bills/hr8270/BILLS-119hr8270ih.htm",
      "model": "gemini-flash-latest",
      "prompt_sent": "\nJesteś ekspertem od prawa Stanów Zjednoczonych, który ma za zadanie analizować dokumenty ustaw, uchwał oraz innych dokumentów legislacyjnych, a następnie przygotowywać z nich informacje w przystępny sposób dla obywateli. Twoim celem jest przedstawienie informacji tak, aby obywatele mogli sami ocenić wpływ legislacji na ich życie, nawet bez posiadania specjalistycznej wiedzy legislacyjnej. Skup się na faktach i obiektywnych skutkach wprowadzanych zmian, unikając wartościowania i osobistych opinii. Wszelki żargon prawny jest zabroniony. Prezentuj informacje w jasny, zwięzły i angażujący sposób, tak aby były zrozumiałe dla osoby bez wykształcenia prawniczego. Unikaj długich, złożonych zdań. Zamiast pisać \"projekt ma na celu nowelizację kodeksu podatkowego...\", napisz \"Zmiany w podatkach: nowe ulgi i obowiązki dla...\". Kontynuuj swoją pracę, dopóki nie rozwiążesz swojego zadania. Jeśli nie masz pewności co do generowanej treści, przeanalizuj dokument ponownie – nie zgaduj. Rozplanuj dobrze swoje zadanie przed przystąpieniem do niego. W podsumowaniu i kluczowych punktach, jeśli to możliwe i uzasadnione, podkreśl, jakie konkretne korzyści lub skutki (pozytywne lub negatywne) wprowadza ustawa dla życia codziennego obywateli, ich praw i obowiązków, finansów osobistych, bezpieczeństwa i innych ważnych kwestii (np. kategorycznych zakazów i nakazów czy najważniejszych konkretnych alokacji finansowych i terytorialnych).\n\nTwoja odpowiedź MUSI być w formacie JSON - i zawierać następujące klucze.\nZanim zwrócisz odpowiedź, dokładnie zweryfikuj, czy cała struktura JSON jest w 100% poprawna, włącznie ze wszystkimi przecinkami, nawiasami klamrowymi, kwadratowymi oraz cudzysłowami. Błędny JSON jest nieakceptowalny i uniemożliwi przetworzenie Twojej pracy.\n\nPrzeanalizuj dokładnie poniższy tekst dokumentu prawnego. To jest treść, na podstawie której masz wygenerować podsumowanie i kluczowe punkty:\n--- POCZĄTEK DOKUMENTU ---\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 8270 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8270 To amend title XXVII of the Public Health Service Act, the Employee Retirement Income Security Act of 1974, and the Internal Revenue Code of 1986 to require out-of-pocket expenditures for drugs to count towards an individual's deductible and out-of-pocket maximum. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES April 14, 2026 Mr. Murphy (for himself, Mr. Moore of Utah, Mr. Barrett, Mr. Edwards, and Ms. Tenney) introduced the following bill; which was referred to the Committee on Energy and Commerce, and in addition to the Committees on Education and Workforce, and Ways and Means, 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 BILL To amend title XXVII of the Public Health Service Act, the Employee Retirement Income Security Act of 1974, and the Internal Revenue Code of 1986 to require out-of-pocket expenditures for drugs to count towards an individual's deductible and out-of-pocket maximum. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Every Dollar Counts Act of 2026''. SEC. 2. REQUIRING OUT-OF-POCKET EXPENDITURES FOR DRUGS TO COUNT TOWARDS AN INDIVIDUAL'S DEDUCTIBLE AND OUT-OF-POCKET MAXIMUM. (a) PHSA.--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 new section: ``SEC. 2799A-11. COUNTING OUT-OF-POCKET EXPENDITURES FOR CERTAIN DRUGS TOWARDS A DEDUCTIBLE AND OUT-OF-POCKET MAXIMUM. ``A group health plan and a health insurance issuer offering group or individual health insurance coverage shall, in the case of an individual enrolled under such plan or coverage who elects to purchase a drug for which benefits are available under such plan or coverage without applying such benefits, count any out-of-pocket expenditures incurred by such individual with respect to such drug towards any deductible and out-of-pocket maximum that would have applied had such individual applied such benefits.''. (b) ERISA.-- (1) In general.--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 new section: ``SEC. 726. COUNTING OUT-OF-POCKET EXPENDITURES FOR CERTAIN DRUGS TOWARDS A DEDUCTIBLE AND OUT-OF-POCKET MAXIMUM. ``A group health plan and a health insurance issuer offering group health insurance coverage shall, in the case of a participant or beneficiary enrolled under such plan or coverage who elects to purchase a drug for which benefits are available under such plan or coverage without applying such benefits, count any out-of-pocket expenditures incurred by such participant or beneficiary with respect to such drug towards any deductible and out-of-pocket maximum that would have applied had such participant or beneficiary applied such benefits.''. (2) Clerical amendment.--The table of contents in section 1 of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1001 note) is amended by inserting after the item relating to section 725 the following new item: ``Sec. 726. Counting out-of-pocket expenditures for certain drugs towards a deductible and out-of-pocket maximum.''. (c) IRC.-- (1) In general.--Subchapter B of chapter 100 of the Internal Revenue Code of 1986 is amended by adding at the end the following new section: ``SEC. 9826. COUNTING OUT-OF-POCKET EXPENDITURES FOR CERTAIN DRUGS TOWARDS A DEDUCTIBLE AND OUT-OF-POCKET MAXIMUM. ``A group health plan shall, in the case of an individual enrolled under such plan who elects to purchase a drug for which benefits are available under such plan without applying such benefits, count any out-of-pocket expenditures incurred by such individual with respect to such drug towards any deductible and out-of-pocket maximum that would have applied had such individual applied such benefits.''. (2) Clerical amendment.--The table of sections for subchapter B of chapter 100 of the Internal Revenue Code of 1986 is amended by adding at the end the following new item: ``Sec. 9826. Counting out-of-pocket expenditures for certain drugs towards a deductible and out-of-pocket maximum.''. (d) Conforming Amendments.-- (1) Best price.--Section 1927(c)(1)(C)(ii) of the Social Security Act (42 U.S.C. 1396r-8(c)(1)(C)(ii)) is amended-- (A) in subclause (IV), by striking ``and'' at the end; (B) in subclause (V), by striking the period at the end and inserting ``; and''; and (C) by adding at the end the following new subclause: ``(VI) shall exclude any reduction in price with respect to an individual purchasing such drug without applying any benefits under a group health plan (as defined in section 2791 of the Public Health Service Act), group or individual health insurance coverage (as so defined), or a Federal health care program (as defined in section 1128B but including the program established under chapter 89 of title 5, United States Code).''. (2) Average manufacturer price.--Section 1927(k)(1)(B)(i) of the Social Security Act (42 U.S.C. 1396r-8(k)(1)(B)(i)) is amended-- (A) in subclause (VII), by striking ``and'' at the end; (B) in subclause (VIII), by striking the period at the end and inserting ``; and''; and (C) by adding at the end the following new subclause: ``(IX) any reduction in price with respect to an individual purchasing such drug without applying any benefits under a group health plan (as defined in section 2791 of the Public Health Service Act), group or individual health insurance coverage (as so defined), or a Federal health care program (as defined in section 1128B but including the program established under chapter 89 of title 5, United States Code).''. (e) Effective Date.--The amendments made by subsections (a) through (c) shall apply with respect to plan years beginning on or after January 1, 2027. <all>\n--- KONIEC DOKUMENTU ---\n\nPAMIĘTAJ: Twoja odpowiedź MUSI być wyłącznie poprawnym obiektem JSON. Nie dodawaj żadnych dodatkowych znaków, komentarzy ani tekstu przed znacznikiem '{' ani po znaczniku '}'. Cała odpowiedź musi być parsowalna jako JSON.\nNa podstawie POWYŻSZEGO dokumentu, wypełnij poniższą strukturę JSON:\nOto struktura JSON, której oczekuję (wypełnij ją treścią):\n{\n  \"pl_ai_title\": \"Nowy, krótki tytuł dla aktu prawnego po polsku, oddający sedno wprowadzanych zmian (np. maksymalnie 10-12 słów).\",\n  \"pl_summary\": \"2-3 zdania zwięzłego podsumowania treści aktu prawnego po polsku, napisane z perspektywy wpływu na życie codzienne obywateli.\",\n  \"pl_key_points\": [\n    \"Pierwszy krótki punkt po polsku dotyczący najważniejszych wprowadzanych rozwiązań lub zmian.\",\n    \"Drugi krótki punkt po polsku...\"\n  ],\n  \"eng_ai_title\": \"A new, short title for the legal act in English, capturing the essence of the changes (e.g., max 10-12 words).\",\n  \"eng_summary\": \"2-3 sentences summarizing the legal act in English, from the perspective of its impact on citizens' daily lives.\",\n  \"eng_key_points\": [\n    \"First short bullet point in English regarding the most important solutions or changes being introduced.\",\n    \"Second short bullet point in English...\"\n  ],\n  \"de_ai_title\": \"Ein neuer, kurzer Titel für das Rechtsdokument auf Deutsch, der den Kern der Änderungen erfasst (z.B. max. 10-12 Wörter).\",\n  \"de_summary\": \"2-3 Sätze Zusammenfassung des Rechtsdokuments auf Deutsch, aus der Perspektive seiner Auswirkungen auf das tägliche Leben der Bürger.\",\n  \"de_key_points\": [\n    \"Erster kurzer Stichpunkt auf Deutsch zu den wichtigsten eingeführten Lösungen oder Änderungen.\",\n    \"Zweiter kurzer Stichpunkt auf Deutsch...\"\n  ],\n  \"fr_ai_title\": \"Un nouveau titre court pour l'acte juridique en français, saisissant l'essence des changements (par exemple, 10-12 mots maximum).\",\n  \"fr_summary\": \"Résumé de 2-3 phrases de l'acte juridique en français, du point de vue de son impact sur la vie quotidienne des citoyens.\",\n  \"fr_key_points\": [\n    \"Premier court point en français concernant les solutions ou changements les plus importants introduits.\",\n    \"Deuxième court point en français...\"\n  ],\n  \"es_ai_title\": \"Un nuevo título breve para el acto jurídico en español, que recoja la esencia de los cambios (por ejemplo, máximo 10-12 palabras).\",\n  \"es_summary\": \"Resumen de 2-3 frases del acto jurídico en español, desde la perspectiva de su impacto en la vida cotidiana de los ciudadanos.\",\n  \"es_key_points\": [\n    \"Primer punto breve en español sobre las soluciones o cambios más importantes que se introducen.\",\n    \"Segundo punto breve en español...\"\n  ],\n  \"it_ai_title\": \"Un nuovo titolo breve per l'atto giuridico in italiano, che colga l'essenza delle modifiche (ad es. massimo 10-12 parole).\",\n  \"it_summary\": \"Riepilogo di 2-3 frasi dell'atto giuridico in italiano, dal punto di vista del suo impatto sulla vita quotidiana dei cittadini.\",\n  \"it_key_points\": [\n    \"Primo breve punto in italiano riguardante le soluzioni o le modifiche più importanti introdotte.\",\n    \"Secondo breve punto in italiano...\"\n  ],\n  \"nl_ai_title\": \"Een nieuwe, korte titel voor de rechtshandeling in het Nederlands, die de essentie van de wijzigingen weergeeft (bijv. max. 10-12 woorden).\",\n  \"nl_summary\": \"Samenvatting van 2-3 zinnen van de rechtshandeling in het Nederlands, vanuit het perspectief van de impact op het dagelijks leven van burgers.\",\n  \"nl_key_points\": [\n    \"Eerste korte punt in het Nederlands betreffende de belangrijkste geïntroduceerde oplossingen of wijzigingen.\",\n    \"Tweede korte punt in het Nederlands...\"\n  ],\n  \"pt_ai_title\": \"Um novo título curto para o ato jurídico em português, capturando a essência das mudanças (por exemplo, máx. 10-12 palavras).\",\n  \"pt_summary\": \"Resumo de 2-3 frases do ato jurídico em português, na perspetiva do seu impacto na vida quotidiana dos cidadãos.\",\n  \"pt_key_points\": [\n    \"Primeiro ponto curto em português sobre as soluções ou alterações mais importantes introduzidas.\",\n    \"Segundo ponto curto em português...\"\n  ],\n  \"category\": [\"Categorize the document into one category by default, based on the field it primarily concerns. Choose up to 3 if the document also touches upon SIGNIFICANT issues from other categories. You MUST select categories ONLY from the following list: Health, Education, Family, Taxes, Labor, Security, Environment, Courts and Law, Transport, Benefits, Real Estate, Media and Culture, Local Government, Migration, Agriculture, Public Investments, Informatization, Economy. If the document does not definitively fit any of these, you MUST use \"Other\". If you use \"Other\", it should be the ONLY category selected. Do NOT invent new categories. The response must be an array of strings, e.g., [\"Taxes\", \"Family\"].\"]\n}\n\n",
      "ai_response_raw": "{\n  \"pl_ai_title\": \"Ustawa Każdy Dolar się Liczy: Wydatki na leki wliczane do limitów ubezpieczenia\",\n  \"pl_summary\": \"Ustawa nakazuje firmom ubezpieczeniowym wliczanie kosztów zakupu leków do rocznego wkładu własnego i limitu wydatków pacjenta, nawet jeśli kupił on lek bez korzystania z ubezpieczenia. Dzięki temu obywatele szybciej osiągną limity, po których ubezpieczyciel pokrywa 100% kosztów leczenia.\",\n  \"pl_key_points\": [\n    \"Wydatki na leki kupione za gotówkę lub z kuponami zniżkowymi będą obniżać Twój roczny udział własny (deductible).\",\n    \"Ubezpieczyciele nie będą mogli ignorować Twoich prywatnych wydatków na leki, które są objęte Twoim planem zdrowotnym.\",\n    \"Zmiany wejdą w życie dla planów ubezpieczeniowych rozpoczynających się 1 stycznia 2027 roku lub później.\"\n  ],\n  \"eng_ai_title\": \"Every Dollar Counts Act: Drug costs count toward insurance limits\",\n  \"eng_summary\": \"This bill requires health insurance plans to count what you pay for drugs toward your deductible and out-of-pocket maximum, even if you don't use your insurance for the purchase. This helps patients reach their coverage limits faster when paying cash or using discount cards.\",\n  \"eng_key_points\": [\n    \"Out-of-pocket drug costs will count toward your annual deductible and spending limits.\",\n    \"Insurance companies must track these payments even if you choose to bypass your plan's benefits at the pharmacy.\",\n    \"The rules apply to insurance plans starting on or after January 1, 2027.\"\n  ],\n  \"de_ai_title\": \"Every Dollar Counts Act: Medikamentenkosten zählen für Versicherungslimits\",\n  \"de_summary\": \"Dieses Gesetz verpflichtet Krankenkassen, private Ausgaben für Medikamente auf den Selbstbehalt und die Jahreshöchstgrenze anzurechnen, auch wenn die Versicherung beim Kauf nicht direkt genutzt wurde. Bürger erreichen so schneller die Grenze, ab der die Versicherung alle weiteren Kosten übernimmt.\",\n  \"de_key_points\": [\n    \"Private Zahlungen für Medikamente senken Ihren jährlichen Selbstbehalt.\",\n    \"Versicherer müssen diese Ausgaben anerkennen, auch wenn kein Versicherungsnachweis beim Kauf genutzt wurde.\",\n    \"Die Regelung gilt für Versicherungspläne ab dem 1. Januar 2027.\"\n  ],\n  \"fr_ai_title\": \"Loi Chaque dollar compte : les frais de médicaments comptent pour les plafonds d'assurance\",\n  \"fr_summary\": \"Cette loi oblige les assureurs à comptabiliser vos dépenses pour les médicaments dans votre franchise annuelle, même si vous n'utilisez pas votre assurance lors de l'achat. Cela permet aux patients d'atteindre plus rapidement le plafond de dépenses à partir duquel l'assurance rembourse tout.\",\n  \"fr_key_points\": [\n    \"Les frais de médicaments payés de votre poche réduiront votre franchise annuelle.\",\n    \"Les assureurs doivent inclure ces paiements même si vous n'avez pas utilisé vos avantages directs.\",\n    \"Ces changements s'appliqueront aux contrats débutant à partir du 1er janvier 2027.\"\n  ],\n  \"es_ai_title\": \"Ley Cada Dólar Cuenta: Gastos en medicinas cuentan para límites del seguro\",\n  \"es_summary\": \"Esta ley exige que los seguros médicos cuenten lo que pagas por medicinas para tu deducible y límite de gastos anuales, incluso si no usas el seguro al comprarlas. Esto ayuda a los ciudadanos a alcanzar más rápido el límite tras el cual el seguro cubre todos los gastos.\",\n  \"es_key_points\": [\n    \"Los pagos directos por medicinas se restarán de tu deducible anual.\",\n    \"Las aseguradoras deben reconocer estos gastos aunque no se apliquen los beneficios del plan en el momento de la compra.\",\n    \"La medida entrará en vigor para planes que comiencen a partir del 1 de enero de 2027.\"\n  ],\n  \"it_ai_title\": \"Legge Ogni Dollaro Conta: le spese per i farmaci valgono per i limiti assicurativi\",\n  \"it_summary\": \"Questa legge impone alle assicurazioni sanitarie di conteggiare quanto pagato per i farmaci ai fini della franchigia e del tetto massimo di spesa, anche se non si utilizza l'assicurazione al momento dell'acquisto. I cittadini potranno così raggiungere prima la soglia oltre la quale l'assicurazione copre interamente i costi.\",\n  \"it_key_points\": [\n    \"Le spese dirette per i farmaci ridurranno la tua franchigia annuale.\",\n    \"Gli assicuratori devono includere questi pagamenti anche se non hai usato i vantaggi del piano.\",\n    \"Le nuove regole si applicheranno ai piani assicurativi a partire dal 1° gennaio 2027.\"\n  ],\n  \"nl_ai_title\": \"Every Dollar Counts Act: Medicijnkosten tellen mee voor verzekeringslimieten\",\n  \"nl_summary\": \"Deze wet verplicht zorgverzekeraars om uitgaven voor medicijnen mee te tellen voor het eigen risico en de maximale eigen bijdrage, zelfs als de verzekering niet direct wordt gebruikt bij de aankoop. Hierdoor bereiken burgers sneller de grens waarna de verzekeraar alle kosten vergoedt.\",\n  \"nl_key_points\": [\n    \"Eigen betalingen voor medicijnen verlagen uw jaarlijkse eigen risico.\",\n    \"Verzekeraars moeten deze kosten erkennen, ook als u de voordelen van uw plan niet direct toepast.\",\n    \"De regels gaan in voor verzekeringsplannen vanaf 1 januari 2027.\"\n  ],\n  \"pt_ai_title\": \"Lei Cada Dólar Conta: Gastos com medicamentos contam para limites do seguro\",\n  \"pt_summary\": \"Esta lei exige que os planos de saúde contabilizem o que paga por medicamentos para a sua franquia e limite máximo de despesas, mesmo que não utilize o seguro na compra. Isto ajuda os cidadãos a atingir mais rapidamente o limite a partir do qual o seguro cobre todos os custos.\",\n  \"pt_key_points\": [\n    \"Os pagamentos diretos de medicamentos contarão para a sua franquia anual.\",\n    \"As seguradoras devem incluir estes gastos mesmo que não utilize os benefícios do plano.\",\n    \"As alterações aplicam-se a planos de saúde a partir de 1 de janeiro de 2027.\"\n  ],\n  \"category\": [\"Health\"]\n}"
    }
  ]
}