Requires cost sharing amounts for certain prescription drug benefits to be based on final cost to carrier.

This bill requires health insurance plans in New Jersey to calculate patient cost-sharing (like copays) for prescription drugs based on the final amount the insurer actually pays after negotiations and rebates. Specifically, it mandates that cost-sharing amounts must reflect the carrier's final payment after accounting for any price negotiations with pharmacies and deducting rebates or discounts paid by drug manufacturers. It applies to all health insurance carriers, including state-run programs like the State Health Benefits Program and School Employees' Health Benefits Program. The change aims to ensure patients pay based on the insurer's actual cost, not the original drug price before manufacturer rebates.