Health plans required to provide coverage for nonopioid and nonpharmacologic pain management.

HF 1806 requires Minnesota health insurance plans to cover nonopioid prescription drugs and non-drug pain treatments, such as physical therapy, as alternatives to opioids. Specifically, plans must cover at least two FDA-approved nonopioid drugs (not controlled substances) and three nonpharmacologic modalities, while prohibiting preferential coverage for opioids or stricter rules for nonopioid options than for opioids. This affects all health plans operating in Minnesota, including those offered to individuals and employers, with requirements effective January 1, 2026. Plans must also provide annual educational materials about these covered options to both healthcare providers and enrollees.