MORE Savings Act

The MORE Savings Act (Maximizing Opioid Recovery Emergency Savings Act) is a bill aimed at expanding affordable, evidence-based opioid use disorder (OUD) treatment and related supports across federal programs. It would (1) test a Medicare model that eliminates cost-sharing for evidence-based opioid treatments and related services, (2) require private health plans and health insurance issuers to cover opioid treatments without cost-sharing, and (3) bolster Medicaid financing for medication-assisted treatment (MAT) and recovery support services through a temporary, enhanced federal match and by giving states the option to include recovery supports with MAT. The overarching goal is to reduce barriers to accessing MAT, overdose-reversal medications, and recovery supports to improve outcomes for people with OUD and to reduce opioid-related harms. Key elements include a CMS Innovation Center–led demonstration in 15 states to eliminate coinsurance, copays, and deductibles for covered OUD treatments and related services; a broad private-sector coverage mandate with no cost-sharing for MAT drugs, behavioral health services, and recovery support services; and a temporary increase in the federal matching rate for MAT-related Medicaid spending, plus state flexibility to incorporate recovery supports into MAT programs. The bill also sets specific implementation timelines, including a six-month runway to implement the Medicare demonstration and plan-year 2027 effective dates for private insurance and ERISA/IRC changes.