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Bill

A 1439

Provides that purchase of insulin is not subject to deductible; requires health insurers to limit copayments and coinsurance for insulin; requires insulin manufacturers to submit report to Commissioner of Banking and Insurance.

2024-2025 Regular Session Introduced by Clinton Calabrese and 6 co-sponsors

Eliminates insulin deductibles, caps copayments, and mandates manufacturer pricing disclosures to reduce patient medication costs in New Jersey.

Introduced in the Assembly, Referred to Assembly Financial Institutions and Insurance Committee
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Bill Summary · A 1439

Legislative bill overview

Bill A 1439 removes insulin from health insurance deductibles and caps copayments and coinsurance for insulin products. The legislation also requires insulin manufacturers to report pricing and distribution information to New Jersey's Commissioner of Banking and Insurance.

Why is this important

Insulin is a life-sustaining medication for diabetics with no substitutes, making affordability a critical public health issue. High out-of-pocket costs prevent patients from accessing necessary medication, potentially leading to serious health complications. This bill directly addresses insulin affordability by reducing upfront costs and increasing price transparency.

Potential points of contention

  • Cost burden on insurers: Removing deductibles and capping cost-sharing may increase premiums for all policyholders, shifting costs to the broader insurance pool rather than reducing overall medication costs
  • Undefined copayment caps: The bill doesn't specify what the actual copayment/coinsurance limits are, leaving critical implementation details unclear and potentially subject to regulatory interpretation
  • Manufacturer reporting scope: Requirements for manufacturer reporting lack detail about what specific data must be submitted and how it will be used to influence pricing or policy

Compiled from official sources — confirm details with the bill’s official record.

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