Creates provisions relating to cost-sharing under health benefit plans

HB 1681 requires health insurance plans (health benefit plans) to include medication costs toward an enrollee's yearly out-of-pocket maximum when a generic drug alternative is unavailable for that medication. It prevents health carriers and pharmacy benefit managers from adjusting an enrollee's out-of-pocket costs or benefits based on the availability of cost-sharing assistance programs for non-generic medications. The bill applies to most health benefit plans starting August 28, 2026, and does not affect plans covered under the Labor Management Relations Act. This directly affects people enrolled in health insurance who need medications without generic options, ensuring these costs count toward their annual coverage limit.