Limits the substitution of abuse-deterrent analgesic opioid drug products for analgesic opioids lacking such technology

This bill (S 987) requires health insurance plans to cover at least one abuse-deterrent opioid pain medication per active ingredient, ensuring patients can access FDA-approved options designed to reduce misuse. It prohibits higher copays or deductibles for these medications compared to standard opioids and bans prior authorization rules that force patients to try non-abuse-deterrent opioids first. The law applies to all insurance plans covering opioid pain medications, directly affecting patients, insurers, and healthcare providers. Key provisions mandate equal cost-sharing for abuse-deterrent and non-abuse-deterrent versions and prevent insurers from adding financial barriers to access these medications. The bill takes effect 120 days after enactment for new or renewed insurance policies.