Prohibits health insurance carriers from denying coverage of nonopioid prescription drugs in favor of opioid prescription drugs.

This bill (A4682) requires health insurance companies in New Jersey to cover nonopioid prescription drugs for acute pain on equal terms with opioid drugs when prescribed by a doctor. It prohibits insurers from denying coverage for nonopioid drugs in favor of opioids or requiring patients to try opioids first. For insurers with drug formularies (coverage lists), nonopioid pain medications approved by the FDA cannot face stricter rules, higher costs, or more barriers than opioid alternatives. The law applies to all private insurance plans, state employee health plans, school employee plans, and Medicaid, effective January 1, 2026. It does not prevent insurers from favoring one opioid over another or one nonopioid over another.