MO HB1941

Health carriers and pharmacy benefits managers must count payments made by or on behalf of enrollees toward out-of-pocket maximums and cost-sharing requirements for brand-name medications without generic substitutes available

Insurers and PBMs are prohibited from adjusting cost-sharing requirements or designing benefits based on the availability of manufacturer copay assistance programs for medications lacking generic alternatives

Health savings account-qualified high deductible plans must comply after the enrollee meets the minimum deductible under IRS Section 223, with exceptions for preventive care services

Plans covered under the federal Labor Management Relations Act of 1947 (Taft-Hartley multi-employer plans) are exempt from these requirements

Applies to health benefit plans entered into, amended, extended, or renewed on or after August 28, 2026