Safe Step Act

This bill requires health plans and insurers to create a clear, timely process for patients or doctors to request exceptions when step therapy protocols (which force patients to try cheaper drugs first) might harm them. It mandates approval for exceptions in six specific cases, such as when prior treatments failed, delaying care risks severe harm, or the required drug causes adverse reactions. Plans must respond within 72 hours (24 hours for emergencies) and cover the requested drug for at least one year if approved. Additionally, health plans must report annual data on exception requests, approvals, denials, and reasons to the government for transparency.