NY A02443

Amends a 2024 law requiring health insurance coverage for epinephrine auto-injector devices used to treat life-threatening allergic reactions

Limits applicability to plans that provide major medical coverage and prescription drug coverage, narrowing the scope from the original law

Removes the requirement that insurers cover "at a minimum, two" devices, instead requiring coverage for medically necessary devices without a specified minimum quantity

Maintains the $100 annual out-of-pocket cap for epinephrine auto-injectors regardless of deductibles, copayments, or coinsurance

Clarifies that for Health Savings Account (HSA)-qualified high deductible plans, coverage may be subject to the plan's annual deductible to preserve HSA eligibility under federal tax law (26 USC 223), except when classified as preventive care