Prescription drugs; prohibiting insurer from modifying coverage under certain conditions; providing civil penalty; promulgating rules. Effective date.

This bill prevents health insurers from changing coverage for a prescription drug after it has been preapproved and the patient has already started taking it. It specifically prohibits insurers from increasing costs, denying coverage, moving the drug to a higher-cost tier, or switching to a generic without consent. Exceptions only apply if the FDA issues a safety warning or the drug manufacturer discontinues production. This directly protects patients with ongoing prescriptions who rely on specific medications.