Use of step therapy protocol prohibited for insulin drugs.

HF 743 prohibits health insurance plans from requiring step therapy for prescription insulin drugs. This means insurers cannot force patients with diabetes to try less expensive insulin types first before covering their prescribed insulin. The bill directly affects Minnesotans with diabetes who rely on specific insulin medications covered by health plans. It amends Minnesota Statutes to ban this practice, effective January 1, 2027, for plans offered or renewed on or after that date. The law targets a common insurance practice that delayed access to necessary insulin treatments.