AR SB104

Prohibits pharmacy benefits managers (PBMs) and healthcare payors from requiring enrollees to use specific affiliated pharmacies, forwarding prescriptions without patient consent, or using patient information for marketing without written consent

Bans "ghost networks" (pharmacy directories listing unavailable providers) and "carve-out networks" that restrict access to specific drugs through limited pharmacy options while appearing to offer full networks

Requires PBMs and healthcare payors to accommodate patients' individual limitations when enforcing pharmacy requirements, including medical conditions, disabilities, housing instability, socioeconomic barriers, and medication storage concerns

Establishes violations as unfair and deceptive trade practices enforceable by the Attorney General under Arkansas's Deceptive Trade Practices Act, with penalties up to $100,000 per violation based on the number of Arkansas residents serviced

Declares an emergency effective upon Governor's approval (approved April 10, 2025) to immediately protect patient rights and ensure timely access to medications