Creates provisions relating to the cost of insulin

HB 186 limits out-of-pocket costs for insulin to $100 per 30-day supply for Missouri health insurance policyholders, regardless of the insulin type or quantity. It applies to all health insurance policies renewed or issued after August 28, 2025, with the cap adjusted annually based on the medical care component of the Consumer Price Index. The bill requires the Department of Commerce and Insurance to collaborate with health and social services departments to publish an annual report on insulin pricing practices and policy recommendations. This law expires on January 1, 2026, and directly affects insured individuals managing diabetes through prescription insulin coverage.