Insulin Out-of-Pocket Caps by State

Federal & State Law Editorial TeamLast reviewed: April 2026

State-mandated monthly insulin copay limits for state-regulated insurance plans, insurer requirements, and year enacted.

50 States2 data columnsLast updated: March 2026

Click any column header to sort ascending or descending. Click again to reverse, and a third time to reset.

Monthly Cap	Insurer Required	Year Enacted
No cap	N/A	N/A
No cap	N/A	N/A
No cap	N/A	N/A
No cap	N/A	N/A
$35	Yes	2024
$100	Yes	2019
$25	Yes	2020
$35	Yes	2021
No cap	N/A	N/A
No cap	N/A	N/A
No cap	N/A	N/A
No cap	N/A	N/A
$35	Yes	2020
No cap	N/A	N/A
No cap	N/A	N/A
No cap	N/A	N/A
$30	Yes	2021
No cap	N/A	N/A
$35	Yes	2020
No cap	N/A	N/A
No cap	N/A	N/A
No cap	N/A	N/A
$35	Yes	2020
No cap	N/A	N/A
No cap	N/A	N/A
No cap	N/A	N/A
$35	Yes	2022
No cap	N/A	N/A
$30	Yes	2020
$35	Yes	2020
$25	Yes	2020
$100	Yes	2020
No cap	N/A	N/A
No cap	N/A	N/A
No cap	N/A	N/A
$30	Yes	2021
$35	Yes	2021
No cap	N/A	N/A
$40	Yes	2020
No cap	N/A	N/A
No cap	N/A	N/A
No cap	N/A	N/A
$25	Yes	2021
$30	Yes	2020
$100	Yes	2020
$50	Yes	2020
$35	Yes	2020
$35	Yes	2020
$35	Yes	2024
No cap	N/A	N/A
$30	Yes	2020

Federal Inflation Reduction Act caps insulin at $35/month for Medicare beneficiaries. State caps apply only to state-regulated insurance, not self-funded ERISA plans, which cover roughly 60% of insured workers.

This is legal information, not legal advice. Laws vary by jurisdiction and change frequently. Always verify current law with official sources and consult a licensed attorney in your jurisdiction for advice on your specific situation.