1 | 1 | | |
---|
2 | 2 | | |
---|
3 | 3 | | HB 363 2024 |
---|
4 | 4 | | |
---|
5 | 5 | | |
---|
6 | 6 | | |
---|
7 | 7 | | CODING: Words stricken are deletions; words underlined are additions. |
---|
8 | 8 | | hb0363-00 |
---|
9 | 9 | | Page 1 of 15 |
---|
10 | 10 | | F L O R I D A H O U S E O F R E P R E S E N T A T I V E S |
---|
11 | 11 | | |
---|
12 | 12 | | |
---|
13 | 13 | | |
---|
14 | 14 | | A bill to be entitled 1 |
---|
15 | 15 | | An act relating to health insurance cost sharing; 2 |
---|
16 | 16 | | creating s. 627.6383, F.S.; defining the term "cost -3 |
---|
17 | 17 | | sharing requirement"; requiring specified individual 4 |
---|
18 | 18 | | health insurers and their pharmacy benefit managers to 5 |
---|
19 | 19 | | apply payments for prescription drugs by or on behalf 6 |
---|
20 | 20 | | of insureds toward the total contributions of the 7 |
---|
21 | 21 | | insureds' cost-sharing requirements under certain 8 |
---|
22 | 22 | | circumstances; providing construction; providin g 9 |
---|
23 | 23 | | applicability; amending s. 627.6385, F.S.; providing 10 |
---|
24 | 24 | | disclosure requirements; providing applicability; 11 |
---|
25 | 25 | | amending s. 627.64741, F.S.; requiring specified 12 |
---|
26 | 26 | | contracts to require pharmacy benefit managers to 13 |
---|
27 | 27 | | apply payments by or on behalf of insureds toward th e 14 |
---|
28 | 28 | | insureds' total contributions to cost -sharing 15 |
---|
29 | 29 | | requirements; providing applicability; providing 16 |
---|
30 | 30 | | disclosure requirements; creating s. 627.65715, F.S.; 17 |
---|
31 | 31 | | defining the term "cost -sharing requirement"; 18 |
---|
32 | 32 | | requiring specified group health insurers and their 19 |
---|
33 | 33 | | pharmacy benefit managers to apply payments for 20 |
---|
34 | 34 | | prescription drugs by or on behalf of insureds toward 21 |
---|
35 | 35 | | the total contributions of the insureds' cost -sharing 22 |
---|
36 | 36 | | requirements under certain circumstances; providing 23 |
---|
37 | 37 | | construction; providing disclosure requirements; 24 |
---|
38 | 38 | | providing applicability; amending s. 627.6572, F.S.; 25 |
---|
39 | 39 | | |
---|
40 | 40 | | HB 363 2024 |
---|
41 | 41 | | |
---|
42 | 42 | | |
---|
43 | 43 | | |
---|
44 | 44 | | CODING: Words stricken are deletions; words underlined are additions. |
---|
45 | 45 | | hb0363-00 |
---|
46 | 46 | | Page 2 of 15 |
---|
47 | 47 | | F L O R I D A H O U S E O F R E P R E S E N T A T I V E S |
---|
48 | 48 | | |
---|
49 | 49 | | |
---|
50 | 50 | | |
---|
51 | 51 | | requiring specified contracts to require pharmacy 26 |
---|
52 | 52 | | benefit managers to apply payments by or on behalf of 27 |
---|
53 | 53 | | insureds toward the insureds' total contributions to 28 |
---|
54 | 54 | | cost-sharing requirements; providing applicability; 29 |
---|
55 | 55 | | providing disclosure requirements; amending s. 30 |
---|
56 | 56 | | 627.6699, F.S.; making technical changes; requiring 31 |
---|
57 | 57 | | small employer carriers to comply with certain cost -32 |
---|
58 | 58 | | sharing requirements; amending s. 641.31, F.S.; 33 |
---|
59 | 59 | | defining the term "cost -sharing requirement"; 34 |
---|
60 | 60 | | requiring specified health maintenance organizations 35 |
---|
61 | 61 | | and their pharmacy benefit managers to apply payments 36 |
---|
62 | 62 | | for prescription drugs by or on behalf of subscribers 37 |
---|
63 | 63 | | toward the total contributions of the subscribers' 38 |
---|
64 | 64 | | cost-sharing requirements under certain circumstances; 39 |
---|
65 | 65 | | providing construction; providing disclosure 40 |
---|
66 | 66 | | requirements; providing applicability; amending s. 41 |
---|
67 | 67 | | 641.314, F.S.; requiring specified contracts to 42 |
---|
68 | 68 | | require pharmacy benefit managers to apply payments by 43 |
---|
69 | 69 | | or on behalf of subscribers toward the subscribers' 44 |
---|
70 | 70 | | total contributions to cost -sharing requirements; 45 |
---|
71 | 71 | | providing applicability; providing disclosure 46 |
---|
72 | 72 | | requirements; amending s. 409.967, F.S.; conforming a 47 |
---|
73 | 73 | | cross-reference; amending s. 641.185, F.S.; conforming 48 |
---|
74 | 74 | | a provision to changes made by the act; providing a 49 |
---|
75 | 75 | | declaration of important state interest; providing an 50 |
---|
76 | 76 | | |
---|
77 | 77 | | HB 363 2024 |
---|
78 | 78 | | |
---|
79 | 79 | | |
---|
80 | 80 | | |
---|
81 | 81 | | CODING: Words stricken are deletions; words underlined are additions. |
---|
82 | 82 | | hb0363-00 |
---|
83 | 83 | | Page 3 of 15 |
---|
84 | 84 | | F L O R I D A H O U S E O F R E P R E S E N T A T I V E S |
---|
85 | 85 | | |
---|
86 | 86 | | |
---|
87 | 87 | | |
---|
88 | 88 | | effective date. 51 |
---|
89 | 89 | | 52 |
---|
90 | 90 | | Be It Enacted by the Legislature of the State of Florida: 53 |
---|
91 | 91 | | 54 |
---|
92 | 92 | | Section 1. Section 627.6383, Florida Statutes, is created 55 |
---|
93 | 93 | | to read: 56 |
---|
94 | 94 | | 627.6383 Cost-sharing requirements. — 57 |
---|
95 | 95 | | (1) As used in this section, the term "cost -sharing 58 |
---|
96 | 96 | | requirement" means a dollar limit, a deductible, a copayment, 59 |
---|
97 | 97 | | coinsurance, or any other out -of-pocket expense imposed on an 60 |
---|
98 | 98 | | insured, including, but not limited to, the annual limitation on 61 |
---|
99 | 99 | | cost sharing subject to 42 U. S.C. s. 18022. 62 |
---|
100 | 100 | | (2)(a) Each health insurer issuing, delivering, or 63 |
---|
101 | 101 | | renewing a policy in this state which provides prescription drug 64 |
---|
102 | 102 | | coverage, or each pharmacy benefit manager on behalf of such 65 |
---|
103 | 103 | | health insurer, shall apply any amount paid for a prescription 66 |
---|
104 | 104 | | drug by an insured or by another person on behalf of the insured 67 |
---|
105 | 105 | | toward the insured's total contribution to any cost -sharing 68 |
---|
106 | 106 | | requirement, if the prescription drug: 69 |
---|
107 | 107 | | 1. Does not have a generic equivalent; or 70 |
---|
108 | 108 | | 2. Has a generic equivalent and the insured h as obtained 71 |
---|
109 | 109 | | authorization for the prescription drug through any of the 72 |
---|
110 | 110 | | following: 73 |
---|
111 | 111 | | a. Prior authorization from the health insurer or pharmacy 74 |
---|
112 | 112 | | benefit manager. 75 |
---|
113 | 113 | | |
---|
114 | 114 | | HB 363 2024 |
---|
115 | 115 | | |
---|
116 | 116 | | |
---|
117 | 117 | | |
---|
118 | 118 | | CODING: Words stricken are deletions; words underlined are additions. |
---|
119 | 119 | | hb0363-00 |
---|
120 | 120 | | Page 4 of 15 |
---|
121 | 121 | | F L O R I D A H O U S E O F R E P R E S E N T A T I V E S |
---|
122 | 122 | | |
---|
123 | 123 | | |
---|
124 | 124 | | |
---|
125 | 125 | | b. A step-therapy protocol. 76 |
---|
126 | 126 | | c. The exception or appeal process of the health insurer 77 |
---|
127 | 127 | | or pharmacy benefit manager. 78 |
---|
128 | 128 | | (b) The amount paid by or on behalf of the insured which 79 |
---|
129 | 129 | | is applied toward the insured's total contribution to any cost -80 |
---|
130 | 130 | | sharing requirement under paragraph (a) includes, but is not 81 |
---|
131 | 131 | | limited to, any payment with or any discount throug h financial 82 |
---|
132 | 132 | | assistance, a manufacturer copay card, a product voucher, or any 83 |
---|
133 | 133 | | other reduction in out -of-pocket expenses made by or on behalf 84 |
---|
134 | 134 | | of the insured for a prescription drug. 85 |
---|
135 | 135 | | (3) This section applies to any health insurance policy 86 |
---|
136 | 136 | | issued, delivered, or renewed in this state on or after January 87 |
---|
137 | 137 | | 1, 2025. 88 |
---|
138 | 138 | | Section 2. Subsections (2) and (3) of section 627.6385, 89 |
---|
139 | 139 | | Florida Statutes, are renumbered as subsections (3) and (4), 90 |
---|
140 | 140 | | respectively, present subsection (2) of that section is amended, 91 |
---|
141 | 141 | | and a new subsection (2) is added to that section, to read: 92 |
---|
142 | 142 | | 627.6385 Disclosures to policyholders; calculations of 93 |
---|
143 | 143 | | cost sharing.— 94 |
---|
144 | 144 | | (2) Each health insurer issuing, delivering, or renewing a 95 |
---|
145 | 145 | | policy in this state which provides prescription drug coverage, 96 |
---|
146 | 146 | | regardless of whether the prescription drug benefits are 97 |
---|
147 | 147 | | administered or managed by the health insurer or by a pharmacy 98 |
---|
148 | 148 | | benefit manager on behalf of the health insurer, shall disclose 99 |
---|
149 | 149 | | on its website that any amount paid by a policyholder or by 100 |
---|
150 | 150 | | |
---|
151 | 151 | | HB 363 2024 |
---|
152 | 152 | | |
---|
153 | 153 | | |
---|
154 | 154 | | |
---|
155 | 155 | | CODING: Words stricken are deletions; words underlined are additions. |
---|
156 | 156 | | hb0363-00 |
---|
157 | 157 | | Page 5 of 15 |
---|
158 | 158 | | F L O R I D A H O U S E O F R E P R E S E N T A T I V E S |
---|
159 | 159 | | |
---|
160 | 160 | | |
---|
161 | 161 | | |
---|
162 | 162 | | another person on behalf of the policyholder must be applied 101 |
---|
163 | 163 | | toward the policyholder's total contribution to any cost -sharing 102 |
---|
164 | 164 | | requirement pursuant to s. 627.6383. This subsection applies to 103 |
---|
165 | 165 | | any policy issued, delivered, or renewed in this state on or 104 |
---|
166 | 166 | | after January 1, 2025. 105 |
---|
167 | 167 | | (3)(2) Each health insurer shall include in every policy 106 |
---|
168 | 168 | | delivered or issued for delivery to any person in this the state 107 |
---|
169 | 169 | | or in materials provided as required by s. 627.64725 a notice 108 |
---|
170 | 170 | | that the information required by this section is available 109 |
---|
171 | 171 | | electronically and the website address of the website where the 110 |
---|
172 | 172 | | information can be accessed. In addition, each health insurer 111 |
---|
173 | 173 | | issuing, delivering, or renewing a policy in this state which 112 |
---|
174 | 174 | | provides prescription drug coverage, regardless of whether the 113 |
---|
175 | 175 | | prescription drug benefits are administered or managed by the 114 |
---|
176 | 176 | | health insurer or by a pharmacy benefit manager on behalf of the 115 |
---|
177 | 177 | | health insurer, shall disclose in every policy that is issued, 116 |
---|
178 | 178 | | delivered, or renewed to any person in this state on or after 117 |
---|
179 | 179 | | January 1, 2025, that any amount paid by a policyholder or by 118 |
---|
180 | 180 | | another person on behalf of the policyholder must be applied 119 |
---|
181 | 181 | | toward the policyholder's total contribution to any cost -sharing 120 |
---|
182 | 182 | | requirement pursuant to s. 627.6383. 121 |
---|
183 | 183 | | Section 3. Paragraph (c) is added to subsec tion (2) of 122 |
---|
184 | 184 | | section 627.64741, Florida Statutes, to read: 123 |
---|
185 | 185 | | 627.64741 Pharmacy benefit manager contracts. — 124 |
---|
186 | 186 | | (2) In addition to the requirements of part VII of chapter 125 |
---|
187 | 187 | | |
---|
188 | 188 | | HB 363 2024 |
---|
189 | 189 | | |
---|
190 | 190 | | |
---|
191 | 191 | | |
---|
192 | 192 | | CODING: Words stricken are deletions; words underlined are additions. |
---|
193 | 193 | | hb0363-00 |
---|
194 | 194 | | Page 6 of 15 |
---|
195 | 195 | | F L O R I D A H O U S E O F R E P R E S E N T A T I V E S |
---|
196 | 196 | | |
---|
197 | 197 | | |
---|
198 | 198 | | |
---|
199 | 199 | | 626, a contract between a health insurer and a pharmacy benefit 126 |
---|
200 | 200 | | manager must require tha t the pharmacy benefit manager: 127 |
---|
201 | 201 | | (c)1. Apply any amount paid by an insured or by another 128 |
---|
202 | 202 | | person on behalf of the insured toward the insured's total 129 |
---|
203 | 203 | | contribution to any cost -sharing requirement pursuant to s. 130 |
---|
204 | 204 | | 627.6383. This subparagraph applies to any insu red whose 131 |
---|
205 | 205 | | insurance policy is issued, delivered, or renewed in this state 132 |
---|
206 | 206 | | on or after January 1, 2025. 133 |
---|
207 | 207 | | 2. Disclose to every insured whose insurance policy is 134 |
---|
208 | 208 | | issued, delivered, or renewed in this state on or after January 135 |
---|
209 | 209 | | 1, 2025, that the pharmacy benef it manager shall apply any 136 |
---|
210 | 210 | | amount paid by the insured or by another person on behalf of the 137 |
---|
211 | 211 | | insured toward the insured's total contribution to any cost -138 |
---|
212 | 212 | | sharing requirement pursuant to s. 627.6383. 139 |
---|
213 | 213 | | Section 4. Section 627.65715, Florida Statutes, is create d 140 |
---|
214 | 214 | | to read: 141 |
---|
215 | 215 | | 627.65715 Cost-sharing requirements. — 142 |
---|
216 | 216 | | (1) As used in this section, the term "cost -sharing 143 |
---|
217 | 217 | | requirement" means a dollar limit, a deductible, a copayment, 144 |
---|
218 | 218 | | coinsurance, or any other out -of-pocket expense imposed on an 145 |
---|
219 | 219 | | insured, including, but not limited to, the annual limitation on 146 |
---|
220 | 220 | | cost sharing subject to 42 U.S.C. s. 18022. 147 |
---|
221 | 221 | | (2)(a) Each insurer issuing, delivering, or renewing a 148 |
---|
222 | 222 | | policy in this state which provides prescription drug coverage, 149 |
---|
223 | 223 | | or each pharmacy benefit manager on behalf of such in surer, 150 |
---|
224 | 224 | | |
---|
225 | 225 | | HB 363 2024 |
---|
226 | 226 | | |
---|
227 | 227 | | |
---|
228 | 228 | | |
---|
229 | 229 | | CODING: Words stricken are deletions; words underlined are additions. |
---|
230 | 230 | | hb0363-00 |
---|
231 | 231 | | Page 7 of 15 |
---|
232 | 232 | | F L O R I D A H O U S E O F R E P R E S E N T A T I V E S |
---|
233 | 233 | | |
---|
234 | 234 | | |
---|
235 | 235 | | |
---|
236 | 236 | | shall apply any amount paid for a prescription drug by an 151 |
---|
237 | 237 | | insured or by another person on behalf of the insured toward the 152 |
---|
238 | 238 | | insured's total contribution to any cost -sharing requirement, if 153 |
---|
239 | 239 | | the prescription drug: 154 |
---|
240 | 240 | | 1. Does not have a generic equivalen t; or 155 |
---|
241 | 241 | | 2. Has a generic equivalent and the insured has obtained 156 |
---|
242 | 242 | | authorization for the prescription drug through any of the 157 |
---|
243 | 243 | | following: 158 |
---|
244 | 244 | | a. Prior authorization from the health insurer or pharmacy 159 |
---|
245 | 245 | | benefit manager. 160 |
---|
246 | 246 | | b. A step-therapy protocol. 161 |
---|
247 | 247 | | c. The exception or appeal process of the health insurer 162 |
---|
248 | 248 | | or pharmacy benefit manager. 163 |
---|
249 | 249 | | (b) The amount paid by or on behalf of the insured which 164 |
---|
250 | 250 | | is applied toward the insured's total contribution to any cost -165 |
---|
251 | 251 | | sharing requirement under paragraph (a) includes, but is no t 166 |
---|
252 | 252 | | limited to, any payment with or any discount through financial 167 |
---|
253 | 253 | | assistance, a manufacturer copay card, a product voucher, or any 168 |
---|
254 | 254 | | other reduction in out -of-pocket expenses made by or on behalf 169 |
---|
255 | 255 | | of the insured for a prescription drug. 170 |
---|
256 | 256 | | (3) Each insurer issu ing, delivering, or renewing a policy 171 |
---|
257 | 257 | | in this state which provides prescription drug coverage, 172 |
---|
258 | 258 | | regardless of whether the prescription drug benefits are 173 |
---|
259 | 259 | | administered or managed by the insurer or by a pharmacy benefit 174 |
---|
260 | 260 | | manager on behalf of the insurer, shall disclose on its website 175 |
---|
261 | 261 | | |
---|
262 | 262 | | HB 363 2024 |
---|
263 | 263 | | |
---|
264 | 264 | | |
---|
265 | 265 | | |
---|
266 | 266 | | CODING: Words stricken are deletions; words underlined are additions. |
---|
267 | 267 | | hb0363-00 |
---|
268 | 268 | | Page 8 of 15 |
---|
269 | 269 | | F L O R I D A H O U S E O F R E P R E S E N T A T I V E S |
---|
270 | 270 | | |
---|
271 | 271 | | |
---|
272 | 272 | | |
---|
273 | 273 | | and in every policy issued, delivered, or renewed in this state 176 |
---|
274 | 274 | | on or after January 1, 2025, that any amount paid by an insured 177 |
---|
275 | 275 | | or by another person on behalf of the insured must be applied 178 |
---|
276 | 276 | | toward the insured's total contribution to any cost-sharing 179 |
---|
277 | 277 | | requirement. 180 |
---|
278 | 278 | | (4) This section applies to any group health insurance 181 |
---|
279 | 279 | | policy issued, delivered, or renewed in this state on or after 182 |
---|
280 | 280 | | January 1, 2025. 183 |
---|
281 | 281 | | Section 5. Paragraph (c) is added to subsection (2) of 184 |
---|
282 | 282 | | section 627.6572, Florida Statu tes, to read: 185 |
---|
283 | 283 | | 627.6572 Pharmacy benefit manager contracts. — 186 |
---|
284 | 284 | | (2) In addition to the requirements of part VII of chapter 187 |
---|
285 | 285 | | 626, a contract between a health insurer and a pharmacy benefit 188 |
---|
286 | 286 | | manager must require that the pharmacy benefit manager: 189 |
---|
287 | 287 | | (c)1. Apply any amount paid by an insured or by another 190 |
---|
288 | 288 | | person on behalf of the insured toward the insured's total 191 |
---|
289 | 289 | | contribution to any cost -sharing requirement pursuant to s. 192 |
---|
290 | 290 | | 627.65715. This subparagraph applies to any insured whose 193 |
---|
291 | 291 | | insurance policy is issued, delive red, or renewed in this state 194 |
---|
292 | 292 | | on or after January 1, 2025. 195 |
---|
293 | 293 | | 2. Disclose to every insured whose insurance policy is 196 |
---|
294 | 294 | | issued, delivered, or renewed in this state on or after January 197 |
---|
295 | 295 | | 1, 2025, that the pharmacy benefit manager shall apply any 198 |
---|
296 | 296 | | amount paid by the insured or by another person on behalf of the 199 |
---|
297 | 297 | | insured toward the insured's total contribution to any cost -200 |
---|
298 | 298 | | |
---|
299 | 299 | | HB 363 2024 |
---|
300 | 300 | | |
---|
301 | 301 | | |
---|
302 | 302 | | |
---|
303 | 303 | | CODING: Words stricken are deletions; words underlined are additions. |
---|
304 | 304 | | hb0363-00 |
---|
305 | 305 | | Page 9 of 15 |
---|
306 | 306 | | F L O R I D A H O U S E O F R E P R E S E N T A T I V E S |
---|
307 | 307 | | |
---|
308 | 308 | | |
---|
309 | 309 | | |
---|
310 | 310 | | sharing requirement pursuant to s. 627.65715. 201 |
---|
311 | 311 | | Section 6. Paragraph (e) of subsection (5) of section 202 |
---|
312 | 312 | | 627.6699, Florida Statutes, is amended to read : 203 |
---|
313 | 313 | | 627.6699 Employee Health Care Access Act. — 204 |
---|
314 | 314 | | (5) AVAILABILITY OF COVERAGE. — 205 |
---|
315 | 315 | | (e) All health benefit plans issued under this section 206 |
---|
316 | 316 | | must comply with the following conditions: 207 |
---|
317 | 317 | | 1. For employers who have fewer than two employees, a late 208 |
---|
318 | 318 | | enrollee may be excluded from coverage for no longer than 24 209 |
---|
319 | 319 | | months if he or she was not covered by creditable coverage 210 |
---|
320 | 320 | | continually to a date not more than 63 days before the effective 211 |
---|
321 | 321 | | date of his or her new coverage. 212 |
---|
322 | 322 | | 2. Any requirement used by a small employer carrier in 213 |
---|
323 | 323 | | determining whether to provide coverage to a small employer 214 |
---|
324 | 324 | | group, including requirements for minimum participation of 215 |
---|
325 | 325 | | eligible employees and minimum employer contributions, must be 216 |
---|
326 | 326 | | applied uniformly among all small employer groups having the 217 |
---|
327 | 327 | | same number of eligible employees applying for coverage or 218 |
---|
328 | 328 | | receiving coverage from the small employer carrier, except that 219 |
---|
329 | 329 | | a small employer carrier that participates in, administers, or 220 |
---|
330 | 330 | | issues health benefits purs uant to s. 381.0406 which do not 221 |
---|
331 | 331 | | include a preexisting condition exclusion may require as a 222 |
---|
332 | 332 | | condition of offering such benefits that the employer has had no 223 |
---|
333 | 333 | | health insurance coverage for its employees for a period of at 224 |
---|
334 | 334 | | least 6 months. A small employer car rier may vary application of 225 |
---|
335 | 335 | | |
---|
336 | 336 | | HB 363 2024 |
---|
337 | 337 | | |
---|
338 | 338 | | |
---|
339 | 339 | | |
---|
340 | 340 | | CODING: Words stricken are deletions; words underlined are additions. |
---|
341 | 341 | | hb0363-00 |
---|
342 | 342 | | Page 10 of 15 |
---|
343 | 343 | | F L O R I D A H O U S E O F R E P R E S E N T A T I V E S |
---|
344 | 344 | | |
---|
345 | 345 | | |
---|
346 | 346 | | |
---|
347 | 347 | | minimum participation requirements and minimum employer 226 |
---|
348 | 348 | | contribution requirements only by the size of the small employer 227 |
---|
349 | 349 | | group. 228 |
---|
350 | 350 | | 3. In applying minimum participation requirements with 229 |
---|
351 | 351 | | respect to a small employer, a small emplo yer carrier may shall 230 |
---|
352 | 352 | | not consider as an eligible employee employees or dependents who 231 |
---|
353 | 353 | | have qualifying existing coverage in an employer -based group 232 |
---|
354 | 354 | | insurance plan or an ERISA qualified self -insurance plan in 233 |
---|
355 | 355 | | determining whether the applicable percentage of participation 234 |
---|
356 | 356 | | is met. However, a small employer carrier may count eligible 235 |
---|
357 | 357 | | employees and dependents who have coverage under another health 236 |
---|
358 | 358 | | plan that is sponsored by that employer. 237 |
---|
359 | 359 | | 4. A small employer carrier may shall not increase any 238 |
---|
360 | 360 | | requirement for minimum employee participation or any 239 |
---|
361 | 361 | | requirement for minimum employer contribution applicable to a 240 |
---|
362 | 362 | | small employer at any time after the small employer has been 241 |
---|
363 | 363 | | accepted for coverage, unless the employer size has changed, in 242 |
---|
364 | 364 | | which case the small employer car rier may apply the requirements 243 |
---|
365 | 365 | | that are applicable to the new group size. 244 |
---|
366 | 366 | | 5. If a small employer carrier offers coverage to a small 245 |
---|
367 | 367 | | employer, it must offer coverage to all the small employer's 246 |
---|
368 | 368 | | eligible employees and their dependents. A small employer 247 |
---|
369 | 369 | | carrier may not offer coverage limited to certain persons in a 248 |
---|
370 | 370 | | group or to part of a group, except with respect to late 249 |
---|
371 | 371 | | enrollees. 250 |
---|
372 | 372 | | |
---|
373 | 373 | | HB 363 2024 |
---|
374 | 374 | | |
---|
375 | 375 | | |
---|
376 | 376 | | |
---|
377 | 377 | | CODING: Words stricken are deletions; words underlined are additions. |
---|
378 | 378 | | hb0363-00 |
---|
379 | 379 | | Page 11 of 15 |
---|
380 | 380 | | F L O R I D A H O U S E O F R E P R E S E N T A T I V E S |
---|
381 | 381 | | |
---|
382 | 382 | | |
---|
383 | 383 | | |
---|
384 | 384 | | 6. A small employer carrier may not modify any health 251 |
---|
385 | 385 | | benefit plan issued to a small employer with respect to a small 252 |
---|
386 | 386 | | employer or any eligible employee or dependent through riders, 253 |
---|
387 | 387 | | endorsements, or otherwise to restrict or exclude coverage for 254 |
---|
388 | 388 | | certain diseases or medical conditions otherwise covered by the 255 |
---|
389 | 389 | | health benefit plan. 256 |
---|
390 | 390 | | 7. An initial enrollment period of at least 30 day s must 257 |
---|
391 | 391 | | be provided. An annual 30 -day open enrollment period must be 258 |
---|
392 | 392 | | offered to each small employer's eligible employees and their 259 |
---|
393 | 393 | | dependents. A small employer carrier must provide special 260 |
---|
394 | 394 | | enrollment periods as required by s. 627.65615. 261 |
---|
395 | 395 | | 8. A small employer carrier shall comply with s. 627.65715 262 |
---|
396 | 396 | | with respect to contribution to cost -sharing requirements, as 263 |
---|
397 | 397 | | defined in that section. 264 |
---|
398 | 398 | | Section 7. Subsection (48) is added to section 641.31, 265 |
---|
399 | 399 | | Florida Statutes, to read: 266 |
---|
400 | 400 | | 641.31 Health maintenance contracts. — 267 |
---|
401 | 401 | | (48)(a) As used in this subsection, the term "cost -sharing 268 |
---|
402 | 402 | | requirement" means a dollar limit, a deductible, a copayment, 269 |
---|
403 | 403 | | coinsurance, or any other out -of-pocket expense imposed on a 270 |
---|
404 | 404 | | subscriber, including, but not limited to, the annual limitation 271 |
---|
405 | 405 | | on cost sharing subject to 42 U.S.C. s. 18022. 272 |
---|
406 | 406 | | (b)1. Each health maintenance organization issuing, 273 |
---|
407 | 407 | | delivering, or renewing a health maintenance contract or 274 |
---|
408 | 408 | | certificate in this state which provides prescription drug 275 |
---|
409 | 409 | | |
---|
410 | 410 | | HB 363 2024 |
---|
411 | 411 | | |
---|
412 | 412 | | |
---|
413 | 413 | | |
---|
414 | 414 | | CODING: Words stricken are deletions; words underlined are additions. |
---|
415 | 415 | | hb0363-00 |
---|
416 | 416 | | Page 12 of 15 |
---|
417 | 417 | | F L O R I D A H O U S E O F R E P R E S E N T A T I V E S |
---|
418 | 418 | | |
---|
419 | 419 | | |
---|
420 | 420 | | |
---|
421 | 421 | | coverage, or each pharmacy benefit manager on behalf of such 276 |
---|
422 | 422 | | health maintenance organization, shall apply any amount paid for 277 |
---|
423 | 423 | | a prescription drug by a subscriber or by another person on 278 |
---|
424 | 424 | | behalf of the subscriber toward the subscriber's total 279 |
---|
425 | 425 | | contribution to any cost-sharing requirement if the prescription 280 |
---|
426 | 426 | | drug: 281 |
---|
427 | 427 | | a. Does not have a generic equivalent; or 282 |
---|
428 | 428 | | b. Has a generic equivalent and the subscriber has 283 |
---|
429 | 429 | | obtained authorization for the prescription drug through any of 284 |
---|
430 | 430 | | the following: 285 |
---|
431 | 431 | | (I) Prior authorizatio n from the health maintenance 286 |
---|
432 | 432 | | organization or pharmacy benefit manager. 287 |
---|
433 | 433 | | (II) A step-therapy protocol. 288 |
---|
434 | 434 | | (III) The exception or appeal process of the health 289 |
---|
435 | 435 | | maintenance organization or pharmacy benefit manager. 290 |
---|
436 | 436 | | 2. The amount paid by or on behalf of the subscriber which 291 |
---|
437 | 437 | | is applied toward the subscriber's total contribution to any 292 |
---|
438 | 438 | | cost-sharing requirement under subparagraph 1. includes, but is 293 |
---|
439 | 439 | | not limited to, any payment with or any discount through 294 |
---|
440 | 440 | | financial assistance, a manufacturer copay card, a produc t 295 |
---|
441 | 441 | | voucher, or any other reduction in out -of-pocket expenses made 296 |
---|
442 | 442 | | by or on behalf of the subscriber for a prescription drug. 297 |
---|
443 | 443 | | (c) Each health maintenance organization issuing, 298 |
---|
444 | 444 | | delivering, or renewing a health maintenance contract or 299 |
---|
445 | 445 | | certificate in this sta te which provides prescription drug 300 |
---|
446 | 446 | | |
---|
447 | 447 | | HB 363 2024 |
---|
448 | 448 | | |
---|
449 | 449 | | |
---|
450 | 450 | | |
---|
451 | 451 | | CODING: Words stricken are deletions; words underlined are additions. |
---|
452 | 452 | | hb0363-00 |
---|
453 | 453 | | Page 13 of 15 |
---|
454 | 454 | | F L O R I D A H O U S E O F R E P R E S E N T A T I V E S |
---|
455 | 455 | | |
---|
456 | 456 | | |
---|
457 | 457 | | |
---|
458 | 458 | | coverage, regardless of whether the prescription drug benefits 301 |
---|
459 | 459 | | are administered or managed by the health maintenance 302 |
---|
460 | 460 | | organization or by a pharmacy benefit manager on behalf of the 303 |
---|
461 | 461 | | health maintenance organization, shall d isclose on its website 304 |
---|
462 | 462 | | and in every subscriber's health maintenance contract, 305 |
---|
463 | 463 | | certificate, or member handbook issued, delivered, or renewed in 306 |
---|
464 | 464 | | this state on or after January 1, 2025, that any amount paid by 307 |
---|
465 | 465 | | a subscriber or by another person on behalf of th e subscriber 308 |
---|
466 | 466 | | must be applied toward the subscriber's total contribution to 309 |
---|
467 | 467 | | any cost-sharing requirement. 310 |
---|
468 | 468 | | (d) This subsection applies to any health maintenance 311 |
---|
469 | 469 | | contract or certificate issued, delivered, or renewed in this 312 |
---|
470 | 470 | | state on or after January 1, 2025 . 313 |
---|
471 | 471 | | Section 8. Paragraph (c) is added to subsection (2) of 314 |
---|
472 | 472 | | section 641.314, Florida Statutes, to read: 315 |
---|
473 | 473 | | 641.314 Pharmacy benefit manager contracts. — 316 |
---|
474 | 474 | | (2) In addition to the requirements of part VII of chapter 317 |
---|
475 | 475 | | 626, a contract between a health maintenance organization and a 318 |
---|
476 | 476 | | pharmacy benefit manager must require that the pharmacy benefit 319 |
---|
477 | 477 | | manager: 320 |
---|
478 | 478 | | (c)1. Apply any amount paid by a subscriber or by another 321 |
---|
479 | 479 | | person on behalf of the subscriber toward the subscriber's total 322 |
---|
480 | 480 | | contribution to any cost -sharing requirement pursuant to s. 323 |
---|
481 | 481 | | 641.31(48). This subparagraph applies to any subscriber whose 324 |
---|
482 | 482 | | health maintenance contract or certificate is issued, delivered, 325 |
---|
483 | 483 | | |
---|
484 | 484 | | HB 363 2024 |
---|
485 | 485 | | |
---|
486 | 486 | | |
---|
487 | 487 | | |
---|
488 | 488 | | CODING: Words stricken are deletions; words underlined are additions. |
---|
489 | 489 | | hb0363-00 |
---|
490 | 490 | | Page 14 of 15 |
---|
491 | 491 | | F L O R I D A H O U S E O F R E P R E S E N T A T I V E S |
---|
492 | 492 | | |
---|
493 | 493 | | |
---|
494 | 494 | | |
---|
495 | 495 | | or renewed in this state on or after January 1, 2025. 326 |
---|
496 | 496 | | 2. Disclose to every subscriber whose health mainten ance 327 |
---|
497 | 497 | | contract or certificate is issued, delivered, or renewed in this 328 |
---|
498 | 498 | | state on or after January 1, 2025, that the pharmacy benefit 329 |
---|
499 | 499 | | manager shall apply any amount paid by the subscriber or by 330 |
---|
500 | 500 | | another person on behalf of the subscriber toward the 331 |
---|
501 | 501 | | subscriber's total contribution to any cost -sharing requirement 332 |
---|
502 | 502 | | pursuant to s. 641.31(48). 333 |
---|
503 | 503 | | Section 9. Paragraph (o) of subsection (2) of section 334 |
---|
504 | 504 | | 409.967, Florida Statutes, is amended to read: 335 |
---|
505 | 505 | | 409.967 Managed care plan accountability. — 336 |
---|
506 | 506 | | (2) The agency shall estab lish such contract requirements 337 |
---|
507 | 507 | | as are necessary for the operation of the statewide managed care 338 |
---|
508 | 508 | | program. In addition to any other provisions the agency may deem 339 |
---|
509 | 509 | | necessary, the contract must require: 340 |
---|
510 | 510 | | (o) Transparency.—Managed care plans shall comply with ss. 341 |
---|
511 | 511 | | 627.6385(4) and 641.54(7) ss. 627.6385(3) and 641.54(7) . 342 |
---|
512 | 512 | | Section 10. Paragraph (k) of subsection (1) of section 343 |
---|
513 | 513 | | 641.185, Florida Statutes, is amended to read: 344 |
---|
514 | 514 | | 641.185 Health maintenance organization subscriber 345 |
---|
515 | 515 | | protections.— 346 |
---|
516 | 516 | | (1) With respect to the provisions of this part and part 347 |
---|
517 | 517 | | III, the principles expressed in the following statements serve 348 |
---|
518 | 518 | | as standards to be followed by the commission, the office, the 349 |
---|
519 | 519 | | department, and the Agency for Health Care Administration in 350 |
---|
520 | 520 | | |
---|
521 | 521 | | HB 363 2024 |
---|
522 | 522 | | |
---|
523 | 523 | | |
---|
524 | 524 | | |
---|
525 | 525 | | CODING: Words stricken are deletions; words underlined are additions. |
---|
526 | 526 | | hb0363-00 |
---|
527 | 527 | | Page 15 of 15 |
---|
528 | 528 | | F L O R I D A H O U S E O F R E P R E S E N T A T I V E S |
---|
529 | 529 | | |
---|
530 | 530 | | |
---|
531 | 531 | | |
---|
532 | 532 | | exercising their powers and duties, in exercising administrative 351 |
---|
533 | 533 | | discretion, in administrative interpretations of the law, in 352 |
---|
534 | 534 | | enforcing its provisions, and in adopting rules: 353 |
---|
535 | 535 | | (k) A health maintenance organization subscriber shall be 354 |
---|
536 | 536 | | given a copy of the applicable health maintenance contract, 355 |
---|
537 | 537 | | certificate, or member handbook specifying: all the provisions, 356 |
---|
538 | 538 | | disclosure, and limitations required pursuant to s. 641.31(1) , 357 |
---|
539 | 539 | | and (4), and (48); the covered services, including those 358 |
---|
540 | 540 | | services, medical conditions, and provider types specified in 359 |
---|
541 | 541 | | ss. 641.31, 641.31094, 641.31095, 641.31096, 641.51(11), and 360 |
---|
542 | 542 | | 641.513; and where and in what manner services may be obtained 361 |
---|
543 | 543 | | pursuant to s. 641.31(4). 362 |
---|
544 | 544 | | Section 11. The Legislature finds that this act fulfills 363 |
---|
545 | 545 | | an important state interest. 364 |
---|
546 | 546 | | Section 12. This act shall take effect July 1, 2024. 365 |
---|