Bill
Bill > A1821
NJ A1821
NJ A1821Prohibits health insurance carriers from denying coverage of nonopioid prescription drugs in favor of opioid prescription drugs.
summary
Introduced
01/13/2026
01/13/2026
In Committee
01/13/2026
01/13/2026
Crossed Over
Passed
Dead
Introduced Session
2026-2027 Regular Session
Bill Summary
This bill makes it unlawful when a licensed health care provider prescribes a nonopioid medication to a person covered by a health insurance carrier for the treatment of acute pain and the carrier denies coverage of a nonopioid prescription drug: (1) in favor of an opioid prescription drug; or (2) to require a covered person to try an opioid prescription drug prior to approving the use of a nonopioid prescription drug. "Carrier" is defined in the bill to mean an insurance company, health service corporation, hospital service corporation, medical service corporation, or health maintenance organization authorized to issue health benefits plans in this State. Under the bill, a carrier that establishes and maintains a drug formulary is to ensure that a nonopioid drug approved by the United States Food and Drug Administration for the treatment or management of pain will not be disadvantaged or discouraged, with respect to coverage or cost-sharing, relative to any opioid or narcotic drug for the treatment or management of pain on the formulary of the carrier under various circumstances. It is not prohibited in the bill for an opioid drug to be preferred over another opioid drug or for a nonopioid drug to be preferred over another nonopioid drug. The provisions of the bill prohibiting denial of a nonopioid prescription drug are also incorporated into the laws governing the required coverage for contracts negotiated by the State Health Benefits Commission and the School Employees' Health Benefits Commission, and in the law overseeing Medicaid.
AI Summary
This bill makes it unlawful for health insurance carriers, which include insurance companies, health service corporations, hospital service corporations, medical service corporations, or health maintenance organizations authorized to issue health benefits plans, to deny coverage for a nonopioid prescription drug when a licensed healthcare provider prescribes it for acute pain, either by favoring an opioid prescription drug or by requiring a patient to try an opioid drug first. Furthermore, if a carrier uses a drug formulary, which is a list of covered drugs, they must ensure that nonopioid drugs approved by the U.S. Food and Drug Administration for pain management are not treated less favorably in terms of coverage or out-of-pocket costs compared to opioid or narcotic drugs on the same formulary, meaning they cannot have stricter coverage rules, more demanding prior authorization or step therapy requirements (where a patient must try one drug before another), or be placed on a higher cost-sharing tier. These provisions also apply to contracts negotiated by the State Health Benefits Commission and the School Employees' Health Benefits Commission, as well as to the Medicaid program, ensuring that nonopioid pain medications are not unfairly disadvantaged over opioid alternatives for individuals covered by these plans.
Committee Categories
Business and Industry
Sponsors (6)
Margie Donlon (D)*,
Carol Murphy (D)*,
Anthony Verrelli (D)*,
Mitchelle Drulis (D),
Roy Freiman (D),
Ellen Park (D),
Last Action
Introduced, Referred to Assembly Financial Institutions and Insurance Committee (on 01/13/2026)
Official Document
bill text
bill summary
Loading...
bill summary
Loading...
bill summary
| Document Type | Source Location |
|---|---|
| State Bill Page | https://www.njleg.state.nj.us/bill-search/2026/A1821 |
| BillText | https://pub.njleg.gov/Bills/2026/A2000/1821_I1.HTM |
Loading...