Requires insurance coverage for inhalers at no cost

This bill requires most health insurance plans in New York to cover one rescue inhaler and one maintenance inhaler for asthma treatment at no cost to the patient. It applies to all medical, major medical, and comprehensive health insurance policies that cover prescription drugs, directly affecting asthma patients who rely on these medications. Insurers must provide this coverage without deductibles, copayments, or other cost-sharing, with a narrow exception only for high-deductible plans that would otherwise disqualify patients from health savings accounts. The law takes effect January 1, 2027, for all new or renewed policies.