Bill > A02443

This bill clarifies and modifies insurance coverage requirements for epinephrine auto-injectors (EpiPens), which are critical medical devices used for emergency treatment of life-threatening allergic reactions. The bill amends existing insurance law to specify that health insurance policies providing major medical or comprehensive-type coverage and prescription drug coverage must include coverage for medically necessary epinephrine auto-injector devices. The coverage may now be subject to the plan's annual deductible, with a key protection that the out-of-pocket costs for these devices will be capped at $100 annually, regardless of the insured's deductible, copayment, coinsurance, or other cost-sharing requirements. The bill also addresses potential complications with health savings accounts (HSAs) by allowing the coverage to be subject to the plan's annual deductible if applying a strict cap would impact HSA eligibility under federal tax law. These changes apply to various types of health insurance policies, including individual, group, and medical expense indemnity plans, and are designed to ensure more consistent and affordable access to these critical medical devices for individuals at risk of severe allergic reactions.

Business and Industry

https://www.nysenate.gov/legislation/bills/2025/A2443