relative to insurance cost-sharing calculations.

SB 354 requires health insurance companies to apply money from independent charity patient assistance programs toward an enrollee's cost-sharing obligations, such as copayments and deductibles. This rule applies to group accident and health insurance plans that cover prescription drugs, but it excludes drugs that have generic or other covered alternatives available. The law also mandates that insurers receive specific details about assistance payments made on behalf of patients, while exempting high-deductible and catastrophic health plans from these requirements until the enrollee's annual deductible is met. Taking effect on January 1, 2026, the bill aims to streamline how charitable funds interact with insurance billing processes.