Creates provisions relating to insurance coverage of alternatives to opioid drugs

HB 1966 requires health insurance plans in Missouri to cover nonopioid medications for acute pain (pain expected to last 30 days or less) on the same terms as opioids. It prohibits insurers from denying coverage for nonopioid drugs, forcing patients to try opioids first, or charging higher out-of-pocket costs for nonopioid options. The law directly affects patients (enrollees) and health insurance plans, ensuring equal treatment for nonopioid alternatives when prescribed by licensed providers. It takes effect for all new or renewed health benefit plans on or after January 1, 2027.