Stop health insurers from dropping your medicine midyear

Drug formularies.

Introduced· 2026-02-17

Who's it for

Who's it for: Everyday People

What it means for you

9/10Helps you

Good for everyday people ·

Plain‑English summary, cross‑checked against the official bill text.

This bill stops health insurance companies from quietly removing your prescription drugs from their covered list in the middle of the year.

Our take

What we think, in plain words.

When you pick a health plan, you check if it covers your medicine. But right now, insurers can change their list of covered drugs in the middle of the year. This bill forces them to keep their promises. If they drop a drug, you can keep getting your medicine until the year ends. It also forces them to approve emergency drug requests within 24 hours. This is a huge win for patients who rely on daily medications.

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The facts

What the bill actually says, no spin.

Blocks insurers from removing drugs from their covered list during the plan year.
Lets you stay on your current medicine for the rest of the year if the insurer tries to switch it.
Requires insurers to give you and your doctor 90 days of notice before any changes.
Forces insurers to answer requests for unlisted drugs within 72 hours, or 24 hours for emergencies.
Fines insurance companies up to $5,000 per 1,000 members if they break these rules.
Allows insurers to change the list if a drug is recalled for safety or replaced by a cheaper generic version.