An Act empowering health care consumers

This bill requires health insurance plans sold in Massachusetts to provide clear, standardized information about prescription drug coverage to consumers. It directly affects all health insurance plan members (enrollees) and potential enrollees by mandating that plans: 1) explain what a formulary is and how drugs are included/excluded, 2) post searchable formularies online with real-time updates within 72 hours of changes, and 3) disclose specific cost-sharing details (like co-pays or cost ranges) for each drug. Plans must also list prior authorization rules and show how drugs are covered under deductibles. These requirements apply to all individual and group health plans issued in Massachusetts on or after January 1, 2018.