NJ S446

Health insurance carriers in New Jersey must include at least one abuse-deterrent opioid analgesic drug product per opioid active ingredient on their prescription formularies.

Cost-sharing for abuse-deterrent opioids cannot exceed the lowest cost-sharing amount applied to equivalent non-abuse-deterrent opioids (brand-name compared to brand-name, generic compared to generic).

Insurers are prohibited from requiring patients to first try non-abuse-deterrent opioids before accessing abuse-deterrent versions through prior authorization or utilization review processes.

The bill applies to insurance companies, HMOs, and entities administering the State Health Benefits Program and School Employees' Health Benefits Program.

The law takes effect 90 days after enactment and applies to policies delivered, issued, executed, or renewed after that date.