Prohibits prior authorization when prescribing certain drugs.

This bill prohibits insurance carriers (including health plans, HMOs, and similar entities) from requiring prior authorization when a patient needs an interchangeable drug and the brand-name or generic version is unavailable. It specifically targets the prior authorization process - where insurers review medical necessity before covering a drug - banning it for interchangeable drugs in this scenario. The law applies immediately to all carriers authorized to issue health benefits in New Jersey, including those managing state health programs. It directly affects patients seeking these specific drugs and healthcare providers prescribing them, removing an administrative barrier when alternatives aren't accessible.