The "Mental Health and Making Access More Affordable Act of 2026" aims to eliminate cost-sharing requirements for mental health and substance use disorder services for pregnant and postpartum individuals. It applies to group health plans and insurance coverage, including telehealth services, beginning two years after the bill's enactment. The Act ensures coverage without cost-sharing from pregnancy diagnosis through one year post-pregnancy. It amends the Public Health Service Act, Employee Retirement Income Security Act, and Internal Revenue Code. This bill aims to enhance access to mental health and substance use disorder services during the vulnerable period of pregnancy and postpartum, impacting pregnant individuals and those seeking mental health or substance use disorder services during or after pregnancy.