FIRSTREGULARSESSION HOUSECOMMITTEESUBSTITUTEFOR HOUSEBILLNO.197 102NDGENERALASSEMBLY 0404H.03C DANARADEMANMILLER,ChiefClerk ANACT Torepealsections338.015,376.387,and376.388,RSMo,andtoenactinlieuthereofseven newsectionsrelatingtopaymentsforprescriptiondrugs,withpenaltyprovisions. BeitenactedbytheGeneralAssemblyofthestateofMissouri,asfollows: SectionA.Sections338.015,376.387,and376.388,RSMo,arerepealedandseven 2newsectionsenactedinlieuthereof,tobeknownassections103.200,338.015,376.387, 3376.388,376.414,376.687,and376.689,toreadasfollows: 103.200.1.Forpurposesofthissection,thefollowingtermsmean: 2 (1)"Pharmacy",thesamemeaninggiventotheterminsection338.210; 3 (2)"Plan",theMissouriconsolidatedhealthcareplanasdescribedinsection 4103.005; 5 (3)"Rebate",anydiscount,negotiatedconcession,orotherpaymentprovided 6byapharmaceuticalmanufacturer,pharmacy,orhealthbenefitplantoanentitytosell, 7provide,pay,orreimburseapharmacyorotherentityinthestateforthedispensation 8oradministrationofaprescriptiondrugonbehalfofitselforanotherentity. 9 2.BeforeMarch1,2025,andannuallythereafter,thepharmacybenefits 10managerutilizedbytheMissouriconsolidatedhealthcareplanshallfileareportwith 11theplanfortheimmediatelyprecedingcalendaryear.Thereportshallcontainthe 12followinginformationregardingtheplan: 13 (1)Theaggregatedollaramountofallrebatesthatthepharmacybenefits 14managercollectedfrompharmaceuticalmanufacturersthatmanufacturedoutpatient 15prescriptiondrugsthat: 16 (a)Werecoveredbytheplanduringsuchcalendaryear;and EXPLANATION—Matterenclosedinbold-facedbrackets[thus] intheabovebillisnotenactedandis intendedtobeomittedfromthelaw.Matterinbold-facetypeintheabovebillisproposedlanguage. 17 (b)Wereattributabletopatientutilizationofsuchdrugsduringsuchcalendar 18year;and 19 (2)Theaggregatedollaramountofallrebates,excludinganyportionofthe 20rebatesreceivedbytheplan,concerningdrugformulariesthatthepharmacybenefits 21managercollectedfrompharmaceuticalmanufacturersthatmanufacturedoutpatient 22prescriptiondrugsthat: 23 (a)Werecoveredbytheplanduringsuchcalendaryear;and 24 (b)Wereattributabletopatientutilizationofsuchdrugsbycoveredpersons 25undertheplanduringsuchcalendaryear. 26 3.Inconsultationwithitspharmacybenefitsmanager,theplanshallestablisha 27formforreportingtheinformationrequiredundersubsection2ofthissection.The 28formshallbedesignedtominimizetheadministrativeburdenandcostofreportingon 29theplananditspharmacybenefitsmanager. 30 4.Nodocuments,materials,orotherinformationsubmittedtotheplanunder 31subsection2ofthissectionshallbesubjecttodisclosureunderchapter610,excepttothe 32extenttheyareincludedonanaggregatedbasisinthereportsrequiredundersubsection 335ofthissection.Theplanshallnotdiscloseinformationsubmittedundersubsection2 34ofthissectioninamannerthat: 35 (1)Islikelytocompromisethefinancial,competitive,orproprietarynatureof 36suchinformation;or 37 (2)Wouldenableathirdpartytoidentifythevalueofarebateprovidedfora 38particularoutpatientprescriptiondrugortherapeuticclassofoutpatientprescription 39drugs. 40 5.(1)BeforeJuly1,2025,andannuallythereafter,theplanshallsubmitareport 41tothestandingcommitteesofthegeneralassemblyhavingjurisdictionoverhealth 42insurancematters.Thereportshallcontainanaggregationoftheinformation 43submittedtotheplanundersubdivision(1)ofsubsection2ofthissectionforthe 44immediatelyprecedingcalendaryearandsuchotherinformationastheplaninits 45discretiondeemsrelevantforthepurposesofthissection.Theplanshallprovideits 46pharmacybenefitsmanagerandanythirdpartyaffectedbysubmissionofareport 47requiredbythissubsectionwithawrittennoticedescribingthecontentofthereport. 48 (2)BeforeJuly1,2025,andannuallythereafter,theplanshallprepareareport 49fortheimmediatelyprecedingcalendaryeardescribingtherebatepracticesoftheplan 50anditspharmacybenefitsmanager.Theplanshallprovidethereporttothestanding 51committeesofthegeneralassemblyhavingjurisdictionoverhealthinsurancematters 52andthedirectorofthedepartmentofcommerceandinsurance.Thereportshall 53contain: HCSHB197 2 54 (a)Anexplanationofthemannerinwhichtheplanaccountedforrebatesin 55calculatingpremiumsforsuchyear; 56 (b)Astatementdisclosingwhether,anddescribingthemannerinwhich,the 57planmaderebatesavailabletoenrolleesatthepointofpurchaseduringsuchyear; 58 (c)Astatementdescribinganyothermannerinwhichtheplanappliedrebates 59duringsuchyear;and 60 (d)Suchotherinformationastheplaninitsdiscretiondeemsrelevantforthe 61purposesofthissection. 62 6.Theplanmayimposeapenaltyofnomorethanseventhousandfivehundred 63dollarsonitspharmacybenefitsmanagerforeachviolationofthissection. 338.015.1.Theprovisionsofsections338.010to338.015shallnotbeconstruedto 2inhibitthepatient'sfreedomofchoicetoobtainprescriptionservicesfromanylicensed 3pharmacistorpharmacy. [However,nothinginsections338.010to338.315abrogatesthe 4patient'sabilitytowaivefreedomofchoiceunderanycontractwithregardtopaymentor 5coverageofprescriptionexpense.] 6 2.Allpharmacistsmayprovidepharmaceuticalconsultationandadvicetopersons 7concerningthesafeandtherapeuticuseoftheirprescriptiondrugs. 8 3.Allpatientsshallhavetherighttoreceiveawrittenprescriptionfromtheir 9prescribertotaketothefacilityoftheirchoiceortohaveanelectronicprescription 10transmittedtothefacilityoftheirchoice. 11 4.Nopharmacybenefitsmanager,asdefinedinsection376.388,shallprohibitor 12redirectbycontract,orotherwisepenalizeorrestrict,acoveredperson,asdefinedin 13section376.387,fromobtainingprescriptionservices,consultation,oradvicefroma 14contractedpharmacy,asdefinedinsection376.388. 376.387.1.Forpurposesofthissection,thefollowingtermsshallmean: 2 (1)"Coveredperson",[thesamemeaningassuchtermisdefinedinsection376.1257] 3apolicyholder,subscriber,enrollee,orotherindividualwhoreceivesprescriptiondrug 4coveragethroughapharmacybenefitsmanager; 5 (2)"Healthbenefitplan",thesamemeaningassuchtermisdefinedinsection 6376.1350; 7 (3)"Healthcarrier"or"carrier",thesamemeaningassuchtermisdefinedinsection 8376.1350; 9 (4)"Pharmacy",thesamemeaningassuchtermisdefinedinchapter338; 10 (5)"Pharmacybenefitsmanager",thesamemeaningassuchtermisdefinedin 11section376.388. 12 2.Nopharmacybenefitsmanagershallincludeaprovisioninacontractenteredinto 13ormodifiedonorafterAugust28,2018,withapharmacyorpharmacistthatrequiresa HCSHB197 3 14coveredpersontomakeapaymentforaprescriptiondrugatthepointofsaleinanamount 15thatexceedsthelesserof: 16 (1)Thecopaymentamountasrequiredunderthehealthbenefitplan;or 17 (2)Theamountanindividualwouldpayforaprescriptionifthatindividualpaidwith 18cash. 19 3.Apharmacyorpharmacistshallhavetherighttoprovidetoacoveredperson 20informationregardingtheamountofthecoveredperson'scostshareforaprescriptiondrug, 21thecoveredperson'scostofanalternativedrug,andthecoveredperson'scostofthedrug 22withoutadjudicatingtheclaimthroughthepharmacybenefitsmanager.Neitherapharmacy 23norapharmacistshallbeproscribedbyapharmacybenefitsmanagerfromdiscussingany 24suchinformationorfromsellingamoreaffordablealternativetothecoveredperson. 25 4.Nopharmacybenefitsmanagershall,directlyorindirectly,chargeorholda 26pharmacistorpharmacyresponsibleforanyfeeamountrelatedtoaclaimthatisnotknownat 27thetimeoftheclaim'sadjudication,unlesstheamountisaresultofimproperlypaidclaims 28[orchargesforadministeringahealthbenefitplan]. 29 5.[ThissectionshallnotapplywithrespecttoclaimsunderMedicarePartD,orany 30otherplanadministeredorregulatedsolelyunderfederallaw,andtotheextentthissection 31maybepreemptedundertheEmployeeRetirementIncomeSecurityActof1974forself- 32fundedemployer-sponsoredhealthbenefitplans. 33 6.]Apharmacybenefitsmanagershallnotifyinwritinganyhealthcarrierwithwhich 34itcontractsifthepharmacybenefitsmanagerhasaconflictofinterest,anycommonalityof 35ownership,oranyotherrelationship,financialorotherwise,betweenthepharmacybenefits 36managerandanyotherhealthcarrierwithwhichthepharmacybenefitsmanagercontracts. 37 [7.]6.Anyentitythatentersintoacontracttosell,provide,pay,orreimbursea 38pharmacyinthestateforprescriptiondrugsonbehalfofitselforanotherentityshall 39defineandapplytheterm"generic",withrespecttoprescriptiondrugs,tomeanany 40"authorizedgenericdrug",asdefinedin21CFR314.3,approvedundersection505(c) 41oftheFederalFood,Drug,andCosmeticAct,asamended. 42 7.Anyentitythatentersintoacontracttosell,provide,pay,orreimbursea 43pharmacyinthestateforprescriptiondrugsonbehalfofitselforanotherentityshall 44defineandapplytheterm"rebate"ashavingthesamemeaninggiventothetermin 45section103.200. 46 8.Apharmacybenefitsmanagerthathascontractedwithanentitytoprovide 47pharmacybenefitmanagementservicesforsuchanentityshalloweafiduciarydutyto 48thatentity,andshalldischargethatdutyinaccordancewithfederalandstatelaw. 49 9.Thedepartmentofcommerceandinsuranceshallenforcethissection. HCSHB197 4 376.388.1.Asusedinthissection,unlessthecontextrequiresotherwise,the 2followingtermsshallmean: 3 (1)"Contractedpharmacy"[or"pharmacy"], apharmacylocatedinMissouri 4participatinginthenetworkofapharmacybenefitsmanagerthroughadirectorindirect 5contract; 6 (2)["Healthcarrier",anentitysubjecttotheinsurancelawsandregulationsofthis 7statethatcontractsorofferstocontracttoprovide,deliver,arrangefor,payfor,orreimburse 8anyofthecostsofhealthcareservices,includingasicknessandaccidentinsurancecompany, 9ahealthmaintenanceorganization,anonprofithospitalandhealthservicecorporation,orany 10otherentityprovidingaplanofhealthinsurance,healthbenefits,orhealthservices,except 11thatsuchplanshallnotincludeanycoveragepursuanttoaliabilityinsurancepolicy,workers' 12compensationinsurancepolicy,ormedicalpaymentsinsuranceissuedasasupplementtoa 13liabilitypolicy; 14 (3)] "Maximumallowablecost",theper-unitamountthatapharmacybenefits 15managerreimbursesapharmacistforaprescriptiondrug,excludingadispensingor 16professionalfee; 17 [(4)](3)"Maximumallowablecostlist"or"MAClist",alistingofdrugproductsthat 18meetthestandarddescribedinthissection; 19 [(5)](4)"Pharmacy",assuchtermisdefinedinchapter338; 20 [(6)](5)"Pharmacybenefitsmanager",anentitythat[contractswithpharmacieson 21behalfofhealthcarriersoranyhealthplansponsoredbythestateorapoliticalsubdivisionof 22thestate]administersormanagesapharmacybenefitsplanorprogram; 23 (6)"Pharmacybenefitsmanageraffiliate",apharmacyorpharmacistthat 24directlyorindirectly,throughoneormoreintermediaries,ownsorcontrols,isownedor 25controlledby,orisundercommonownershiporcontrolwithapharmacybenefits 26manager; 27 (7)"Pharmacybenefitsplanorprogram",aplanorprogramthatpaysfor, 28reimburses,coversthecostof,orotherwiseprovidesforprescriptiondrugsand 29pharmacistservicestoindividualswhoresideinorareemployedinthisstate. 30 2.Uponeachcontractexecutionorrenewalbetweenapharmacybenefitsmanager 31andapharmacyorbetweenapharmacybenefitsmanagerandapharmacy'scontracting 32representativeoragent,suchasapharmacyservicesadministrativeorganization,apharmacy 33benefitsmanagershall,withrespecttosuchcontractorrenewal: 34 (1)Includeinsuchcontractorrenewalthesourcesutilizedtodeterminemaximum 35allowablecostandupdatesuchpricinginformationatleasteverysevendays;and 36 (2)Maintainaproceduretoeliminateproductsfromthemaximumallowablecostlist 37ofdrugssubjecttosuchpricingormodifymaximumallowablecostpricingatleastevery HCSHB197 5 38sevendays,ifsuchdrugsdonotmeetthestandardsandrequirementsofthissection,inorder 39toremainconsistentwithpricingchangesinthemarketplace. 40 3.Apharmacybenefitsmanagershallreimbursepharmaciesfordrugssubjectto 41maximumallowablecostpricingthathasbeenupdatedtoreflectmarketpricingatleastevery 42sevendaysassetforthundersubdivision(1)ofsubsection2ofthissection. 43 4.Apharmacybenefitsmanagershallnotplaceadrugonamaximumallowablecost 44listunlessthereareatleasttwotherapeuticallyequivalentmultisourcegenericdrugs,orat 45leastonegenericdrugavailablefromatleastonemanufacturer,generallyavailablefor 46purchasebynetworkpharmaciesfromnationalorregionalwholesalers. 47 5.(1)Allcontractsbetweenapharmacybenefitsmanagerandacontractedpharmacy 48orbetweenapharmacybenefitsmanagerandapharmacy'scontractingrepresentativeor 49agent,suchasapharmacyservicesadministrativeorganization,shallincludeaprocessto 50internallyappeal,investigate,andresolvedisputesregardingmaximumallowablecost 51pricing.Theprocessshallincludethefollowing: 52 [(1)](a)Therighttoappealshallbelimitedtofourteencalendardaysfollowingthe 53reimbursementoftheinitialclaim;and 54 [(2)](b)Arequirementthatthepharmacybenefitsmanagershallrespondtoan 55appealdescribedinthissubsectionnolaterthanfourteencalendardaysafterthedatethe 56appealwasreceivedbysuchpharmacybenefitsmanager. 57 (2)Ifareimbursementtoacontractedpharmacyisbelowthepharmacy'scostto 58purchasethedrug,thepharmacybenefitsmanagershallsustainanappealandincrease 59reimbursementtothepharmacyandothercontractedpharmaciestocoverthecostof 60purchasingthedrug. 61 (3)Apharmacybenefitsmanagershallnotreimburseapharmacyor 62pharmacistinthestateanamountlessthantheamountthatthepharmacybenefits 63managerreimbursesapharmacybenefitsmanageraffiliateforprovidingthesame 64pharmacistservices. 65 6.Forappealsthataredenied,thepharmacybenefitsmanagershallprovidethe 66reasonforthedenialandidentifythenationaldrugcodeofadrugproductthatmaybe 67purchasedbycontractedpharmaciesatapriceatorbelowthemaximumallowablecostand, 68whenapplicable,maybesubstitutedlawfully. 69 7.Iftheappealissuccessful,thepharmacybenefitsmanagershall: 70 (1)Adjustthemaximumallowablecostpricethatisthesubjectoftheappealeffective 71onthedayafterthedatetheappealisdecided; 72 (2)Applytheadjustedmaximumallowablecostpricetoallsimilarlysituated 73pharmaciesasdeterminedbythepharmacybenefitsmanager;and HCSHB197 6 74 (3)Allowthepharmacythatsucceededintheappealtoreverseandrebillthe 75pharmacybenefitsclaimgivingrisetotheappeal. 76 8.Appealsshallbeupheldif: 77 (1)Thepharmacybeingreimbursedforthedrugsubjecttothemaximumallowable 78costpricinginquestionwasnotreimbursedasrequiredundersubsection3ofthissection;or 79 (2)Thedrugsubjecttothemaximumallowablecostpricinginquestiondoesnotmeet 80therequirementssetforthundersubsection4ofthissection. 376.414.1.Forpurposesofthissection,thefollowingtermsmean: 2 (1)"340Bdrug",adrugthatis: 3 (a)AcoveredoutpatientdrugasdefinedinSection340BofthePublicHealth 4ServiceAct,42U.S.C.Section256b,enactedbySection602oftheVeteransHealthCare 5Actof1992,Pub.L.102-585;and 6 (b)Purchasedunderanagreemententeredintounder42U.S.C.Section256b; 7 (2)"Coveredentity",thesamemeaninggiventotheterminSection340B(a)(4) 8ofthePublicHealthServiceAct,42U.S.C.Section256b(a)(4); 9 (3)"Healthcarrier",thesamemeaninggiventotheterminsection376.1350; 10 (4)"Pharmacy",anentitylicensedunderchapter338; 11 (5)"Pharmacybenefitsmanager",thesamemeaninggiventotheterminsection 12376.388. 13 2.Ahealthcarrier,pharmacybenefitsmanager,oranagentoraffiliateofsuch 14healthcarrierorpharmacybenefitsmanagershallnotdiscriminateagainstacovered 15entityorapharmacyincluding,butnotlimitedto,anyofthefollowing: 16 (1)Reimbursingacoveredentityorpharmacyforaquantityofa340Bdrugin 17anamountlessthanitwouldpaytoanyothersimilarlysituatedpharmacythatisnota 18coveredentityorapharmacyforsuchquantityofsuchdrugonthebasisthattheentity 19orpharmacyisacoveredentityorpharmacyorthattheentityorpharmacydispenses 20340Bdrugs; 21 (2)Imposinganytermsorconditionsoncoveredentitiesorpharmaciesthat 22differfromsuchtermsorconditionsappliedtoothersimilarlysituatedpharmaciesthat 23arenotcoveredentitiesorpharmaciesonthebasisthattheentityorpharmacyisa 24coveredentityorpharmacyorthattheentityorpharmacydispenses340Bdrugs 25including,butnotlimitedto,termsorconditionswithrespecttoanyofthefollowing: 26 (a)Fees,chargebacks,clawbacks,adjustments,orotherassessments; 27 (b)Professionaldispensingfees; 28 (c)Restrictionsorrequirementsregardingparticipationinstandardor 29preferredpharmacynetworks; HCSHB197 7 30 (d)Requirementsrelatingtothefrequencyorscopeofauditsortoinventory 31managementsystemsusinggenerallyacceptedaccountingprinciples;and 32 (e)Anyotherrestrictions,conditions,practices,orpoliciesthat,asspecifiedby 33thedirectorofthedepartmentofcommerceandinsurance,interferewiththeabilityofa 34coveredentitytomaximizethevalueofdiscountsprovidedunder42U.S.C.Section 35256b; 36 (3)Interferingwithanindividual'schoicetoreceivea340Bdrugfromacovered 37entityorpharmacy,whetherinpersonorviadirectdelivery,mail,orotherformof 38shipmentbyanymeansincluding,butnotlimitedto,modifyingapatient'spayment 39limitationsorcost-sharingobligationsonthebasisofparticipation,inwholeorinpart, 40inthe340Bdrugpricingprogram; 41 (4)Requiringacoveredentityorpharmacytoidentify,eitherdirectlyor 42throughathirdparty,340Bdrugs; 43 (5)Refusingtocontractwithacoveredentityorpharmacyforreasonsother 44thanthosethatapplyequallytoentitiesorpharmaciesthatarenotcoveredentitiesor 45pharmacies,oronthebasisthat: 46 (a)Theentityorpharmacyisacoveredentityorapharmacy;or 47 (b)Theentityorpharmacyisdescribedinanyofsubparagraphs(A)to(O)of42 48U.S.C.Section256b(a)(4); 49 (6)Denyingthecoveredentitytheabilitytopurchasedrugsat340Bprogram 50pricingbysubstitutingarebatediscount; 51 (7)Refusingtocoverdrugspurchasedunderthe340Bdrugpricingprogram;or 52 (8)Requiringacoveredentityorcontractpharmacytoreverse,resubmit,or 53clarifya340B-drugpricingclaimaftertheinitialadjudicationunlesstheseactionsare 54inthenormalcourseofpharmacybusinessandnotrelatedto340Bdrugpricing. 55 3.Thedirectorofthedepartmentofcommerceandinsuranceshallimposea 56civilpenaltyonanyhealthcarrier,pharmacybenefitsmanager,oranagentoraffiliate 57ofsuchhealthcarrierorpharmacybenefitsmanagerthatviolatestherequirementsof 58thissection.Suchpenaltyshallnotexceedfivethousanddollarsperviolationperday. 59 4.Thedirectorofthedepartmentofcommerceandinsuranceshallpromulgate 60rulestoimplementtheprovisionsofthissection.Anyruleorportionofarule,asthat 61termisdefinedinsection536.010,thatiscreatedundertheauthoritydelegatedinthis 62sectionshallbecomeeffectiveonlyifitcomplieswithandissubjecttoallofthe 63provisionsofchapter536and,ifapplicable,section536.028.Thissectionandchapter 64536arenonseverableandifanyofthepowersvestedwiththegeneralassembly 65pursuanttochapter536toreview,todelaytheeffectivedate,ortodisapproveandannul HCSHB197 8 66arulearesubsequentlyheldunconstitutional,thenthegrantofrulemakingauthority 67andanyruleproposedoradoptedafterAugust28,2023,shallbeinvalidandvoid. 376.687.1.Asusedinthissection,"prescriptioninsulindrug"meansa 2prescriptiondrugthatcontainsinsulinandisusedtocontrolbloodglucoselevelsto 3treatdiabetes,butdoesnotincludeaninsulindrugthatisadministeredtoapatient 4intravenously. 5 2.Thissectionappliestoanygrouporindividualpolicyofaccidentandhealth 6insuranceamended,delivered,issued,orrenewedonorafterAugust28,2023. 7 3.Aninsurerthatprovidescoverageforprescriptioninsulindrugsunderthe 8termsofahealthcoverageplantheinsureroffersshalllimitthetotalamountthatan 9insuredisrequiredtopayforathirty-daysupplyofcoveredprescriptioninsulindrugs 10atanamountnottoexceedseventy-fivedollars,regardlessofthequantityortypeof 11coveredprescriptioninsulindrugusedtofilltheinsured'sprescription. 12 4.OnJanuaryfirstofeachyear,thelimitontheamountthataninsuredis 13requiredtopayforathirty-daysupplyofacoveredprescriptioninsulindrugshall 14increasebyapercentageequaltothepercentagechangefromtheprecedingyearinthe 15medicalcarecomponentoftheConsumerPriceIndexoftheBureauofLaborStatistics 16oftheUnitedStatesDepartmentofLabor. 17 5.Thedirectorofthedepartmentofcommerceandinsurancemaypromulgate 18allnecessaryrulesandregulationsfortheadministrationofthissection.Anyruleor 19portionofarule,asthattermisdefinedinsection536.010,thatiscreatedunderthe 20authoritydelegatedinthissectionshallbecomeeffectiveonlyifitcomplieswithandis 21subjecttoalloftheprovisionsofchapter536and,ifapplicable,section536.028.This 22sectionandchapter536arenonseverableandifanyofthepowersvestedwiththe 23generalassemblypursuanttochapter536toreview,todelaytheeffectivedate,orto 24disapproveandannularulearesubsequentlyheldunconstitutional,thenthegrantof 25rulemakingauthorityandanyruleproposedoradoptedafterAugust28,2023,shallbe 26invalidandvoid. 376.689.1.BeforeNovember2,2023,thedepartmentofcommerceand 2insurance,inconjunctionwiththedepartmentofhealthandseniorservicesandthe 3departmentofsocialservices,shallmakeavailabletothepublicareportthatdetails 4eachdepartment'sfindingsforthefollowing: 5 (1)Asummaryofinsulinpricingpracticesandvariablesthatcontributetothe 6pricingofhealthcoverageplans; 7 (2)Publicpolicyrecommendationstocontrolandpreventoverpricingof 8prescriptioninsulindrugsmadeavailabletoMissouriconsumers;and HCSHB197 9 9 (3)Anyotherinformationthatthedepartmentofcommerceandinsurancefinds 10necessary. 11 2.TheprovisionsofthissectionterminateonJanuary1,2024. ✔ HCSHB197 10