Creates provisions relating to insurance coverage of drugs

HB 2726 requires Missouri health insurance plans (effective January 1, 2027) to cover a prescribed drug without forcing patients to switch to an alternative drug, unless a patient's doctor provides written approval stating the switch is medically necessary. This directly affects patients prescribed specific medications and health insurers offering plans in Missouri. The bill prevents insurers from mandating drug substitutions solely for cost reasons, ensuring coverage for the doctor-recommended drug. Exceptions include existing step therapy protocols and interchangeable biological products, as specified in related laws.