Requires third-party discounts and payments for individuals covered by health benefits plans to apply to copayments, coinsurance, deductibles, or other out-of-pocket costs for covered benefits.

New Jersey's A5217, the "Ensuring Fairness in Cost-Sharing Amounts Act of 2024," requires health insurance carriers and pharmacy benefits managers to count third-party discounts and payments toward patients' out-of-pocket costs like copayments, deductibles, and coinsurance. This means discounts from drug manufacturers, patient assistance programs, or other third parties must reduce what patients actually pay for covered health services, rather than being ignored by insurers. The bill prohibits insurers from using "accumulators" that would prevent these discounts from counting toward a patient's deductible. It applies to all health benefits plans in New Jersey and requires annual compliance certification from insurers and pharmacy benefits managers.