Creates provisions relating to cost-sharing under health benefit plans

HB 79 requires health insurance plans to count all patient payments for medications without available generic substitutes toward the annual out-of-pocket maximum. This directly affects patients who need non-generic medications and health insurers or pharmacy benefit managers administering plans. The bill mandates that insurers include these costs in calculating out-of-pocket limits, prevents them from adjusting cost-sharing based on patient assistance programs for such medications, and applies to most health plans starting August 2025. It excludes health savings account-qualified plans for preventive care and certain labor-managed plans. The law aims to ensure consistent cost calculations for patients facing medication access barriers.