NO BEHAVIORAL HEALTH COST SHARING

Removed the temporary expiration date of January 1, 2027, making the cost-sharing exemption permanent rather than temporary.

Added specific requirement that the cost-sharing exemption applies only to behavioral health services received in-network, rather than all behavioral health services regardless of network status.

Removed emergency department visits, urgent care visits, and other specific service types from the definition of behavioral health services, narrowing the scope to professional and ancillary services for treatment, habilitation, prevention, and identification of mental illnesses, substance abuse disorders, and trauma spectrum disorders.

Updated definitions of coinsurance and copayment to apply to both individual and group health insurance policies, health care plans, and certificates of health insurance, not just group health coverage.

Changed terminology from 'enrollee' to 'insured' or 'covered person' in certain sections to reflect different types of health coverage plans.

Added 'brand-name pharmacy drugs when generics are unavailable' to the definition of behavioral health services covered by the exemption.