Requires any amount paid on behalf of a health benefit plan enrollee to count toward the enrollee's cost-sharing

This bill requires health insurance companies and pharmacy managers to count payments made on behalf of a patient toward that patient's out-of-pocket costs and deductibles. Specifically, it mandates that when calculating how much a person has paid for the year, amounts paid for medications without available generic substitutes must be included in the total. The law includes an exception for high-deductible health plans linked to health savings accounts, ensuring these payments still count once the minimum deductible is met, while also allowing insurers to continue using step therapy programs.