---
title: HB 100. Prescription Drug Consumer Financial Protection Act; enact
collection: bills
id: 2025-2026/hb100
cite_as: HB 100, 2025-2026 Regular Session (Ga.)
canonical_url: https://georgiacommons.org/bills/2025-2026/hb100
md_url: https://georgiacommons.org/bills/2025-2026/hb100.md
text_url: https://georgiacommons.org/bills/2025-2026/hb100/text
source_url: https://www.legis.ga.gov/legislation/69453
date: 2025-01-28
status: introduced
corpus_version: bills-2026-09-13
license: Public record of the Georgia General Assembly, via LegiScan; see about.md
publisher: Georgia Commons, an independent project of Georgia Civic Data. Not the State of Georgia. Not legal advice.
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omitted: votes and history
omitted_chars: 129
omitted_url: https://georgiacommons.org/bills/2025-2026/hb100.md?full=1
bill_number: HB 100
session: 2025-2026 Regular Session
session_slug: 2025-2026
chamber: House
bill_type: bill
status_date: 2025-01-17
last_action: House Second Readers
sponsors:
  - Demetrius Douglas
  - Lee Hawkins
  - Michelle Au
  - Brian Prince
  - Karen Bennett
  - Jasmine Clark
text_version: Introduced
has_text: true
legiscan_url: https://legiscan.com/GA/bill/HB100/2025
upstream_id: 1929483
summaries_model: claude-sonnet-5
topic_tags:
  - prescription drug costs
  - health insurance
  - drug rebates
  - consumer protection
  - insurance regulation
---

# HB 100. Prescription Drug Consumer Financial Protection Act; enact

## Text

House Bill 100
By: Representatives Douglas of the 78th, Hawkins of the 27th, Au of the 50th, Prince of the
132nd, Bennett of the 94th, and others
A BILL TO BE ENTITLED
AN ACT
To amend Chapter 24 of Title 33 of the Official Code of Georgia Annotated, relating to
insurance generally, so as to require all health insurers to pass along no less than 80 percent
of all prescription drug rebates to enrollees that such insurer receives from third parties with
regard to such enrollee's prescription drugs; to provide for definitions; to provide for related
matters; to provide for a short title; to provide for legislative findings; to provide for an
effective date and applicability; to repeal conflicting laws; and for other purposes.
BE IT ENACTED BY THE GENERAL ASSEMBLY OF GEORGIA:
SECTION 1.
This Act shall be known and may be cited as the "Prescription Drug Consumer Financial
Protection Act."
SECTION 2.
The General Assembly finds:
(1) The citizens of this state frequently rely on state-regulated commercial insurers to
secure access to the prescription medicines needed to protect their health;
(2) Commercial insurance plans increasingly require enrollees to bear significant
out-of-pocket costs for their prescription medicines;
(3) High out-of-pocket costs of prescription medicines impact the ability of enrollees to
start new and necessary medicines and to stay adherent to their prescriptions;
(4) High or unpredictable cost sharing requirements are a main driver of unaffordable
enrollee out-of-pocket costs;
(5) The burdens of high or unpredictable cost sharing requirements are borne
disproportionately by enrollees with chronic or debilitating conditions;
(6) Pharmaceutical manufacturers may offer sizeable rebates, discounts, and price
concessions in connection with the dispensing or administration of a therapy, but
enrollees do not necessarily financially benefit from these amounts at the point of sale,
and, instead, insurers or other intermediaries may retain the value of rebates, discounts,
and price concessions;
(7) Restrictions are needed on the ability of insurers and their intermediaries to retain
rebates, discounts, and price concessions that instead should be directly passed on to
enrollees as cost savings;
(8) Enrollees need equitable and accessible health coverage that does not impose unfair
cost sharing burdens upon them; and
(9) The legislature intends that enrollees receive the benefit of meaningful and durable
cost savings from rebates and other price concessions that would otherwise accrue to
insurers in connection with the dispensing or administration of a particular drug therapy.
SECTION 3.
Chapter 24 of Title 33 of the Official Code of Georgia Annotated, relating to insurance
generally, is amended by adding a new Code section to read as follows:
<ins>"33-24-59.34.
(a) As used in this Code section, the term:
</ins>
<ins>(1) 'Cost sharing requirement' means a deductible, coinsurance, copayment, or any other
amount or limitation imposed on an enrollee for a covered prescription drug under the
enrollee's health benefit plan.
(2) 'Health benefit plan' means any hospital, health, or medical expense insurance policy;
hospital or medical service contract; employee welfare benefit plan; contract or
agreement with a health maintenance organization; subscriber contract or agreement;
contract or agreement with a preferred provider organization; accident and sickness
insurance benefit plan; state healthcare plan; or other insurance contract under any other
name. Such term shall not include self-funded, employer sponsored health benefit plans
subject to the exclusive jurisdiction of the Employee Retirement Income Security Act
of 1974, 29 U.S.C. Section 1001, et seq.
(3) 'Insurer' means an accident and sickness insurer, fraternal benefit society, hospital
service corporation, medical service corporation, healthcare corporation, health
maintenance organization, preferred provider organization, provider sponsored health
care corporation, managed care entity, or any similar entity authorized to issue contracts
under this title or to provide health benefit policies.
(4) 'Price protection rebate' means a negotiated price concession that accrues directly or
indirectly to the insurer, or other party on behalf of the insurer, in the event of an increase
in the wholesale acquisition cost of a drug above a specified threshold.
(5) 'Rebate' means:
(A) Negotiated price concessions, including, but not limited to, base price concessions
whether described as a rebate or otherwise and reasonable estimates of any price
protection rebates and performance based price concessions that may accrue directly
or indirectly to the insurer during the coverage year from a manufacturer, dispensing
pharmacy, or other party in connection with the dispensing or administration of a
prescription drug; and
</ins>
<ins>(B) Reasonable estimates of any negotiated price concessions, fees, and other
administrative costs that are passed through, or are reasonably anticipated to be passed
through, to the insurer and serve to reduce the insurer's costs for acquiring a
prescription drug.
(6) 'State healthcare plan' means:
(A) The state employees' health insurance plan established pursuant to Article 1 of
Chapter 18 of Title 45;
(B) The health insurance plan for public school teachers established pursuant to
Subpart 2 of Part 6 of Article 17 of Chapter 2 of Title 20;
(C) The health insurance plan for public school employees established pursuant to
Subpart 3 of Part 6 of Article 17 of Chapter 2 of Title 20; and
(D) The Regents Health Plan established pursuant to authority granted to the board
pursuant to Code Sections 20-3-31, 20-3-51, and 31-2-4.
(b) An insurer shall calculate the cost sharing requirement of an enrollee for each
prescription drug provided through a health benefit plan at the point of sale to the enrollee
based on a price that is reduced by an amount equal to at least 80 percent of all rebates
received or to be received by such insurer in connection with the dispensing or
administration of the prescription drug and shall describe such calculation in such plans.
(c) Noncompliance with this Code section by an insurer may result in the imposition of
penalties set forth in Code Section 33-2-24 or other state laws, including the imposition of
civil penalties and the suspension or revocation of an insurer's license.
(d) Nothing in this Code section shall preclude an insurer from decreasing an enrollee's
cost sharing requirement.
(e) Except as described in subsection (f) of this Code section, neither an insurer nor its
agents shall publish or otherwise disclose information regarding the actual amount of
rebates that an insurer receives on a product, manufacturer, or pharmacy-specific basis.
Such information qualifies as a trade secret pursuant to Code Section 10-1-761 and shall
</ins>
<ins>not be a public record for purposes of Article 4 of Chapter 18 of Title 50 and shall not be
disclosed directly or indirectly to any nongovernmental party.
(f) Notwithstanding subsection (e) of this Code section, an insurer may disclose the
information described therein in accord with a department request, an appropriate court
order, or to a third party that needs such information to perform healthcare or
administrative services for such insurer. Any nongovernmental party receiving such
information shall maintain the confidentiality of such information in accord with this Code
section and other applicable law."
</ins> SECTION 4.
This Act shall become effective on January 1, 2026, and shall apply to all policies issued,
delivered, issued for delivery, or renewed in this state on or after such date.
SECTION 5.
All laws and parts of laws in conflict with this Act are repealed.

## Summaries written by Georgia Commons

The following was written by claude-sonnet-5 from the text above and is not part of the bill. Quote the text, not the summary.

House Bill 100 would require Georgia health insurers to pass along at least 80 percent of prescription drug rebates they receive from manufacturers directly to enrollees at the pharmacy counter, starting January 1, 2026.

### Plain-language summary

When insurers negotiate discounts and rebates with drug manufacturers, those savings do not always reach the person filling the prescription. Insurers can keep some or all of that money instead of lowering what enrollees pay in deductibles, copays, or coinsurance. House Bill 100 targets that gap.
The bill adds a new section to Georgia's insurance code requiring insurers to calculate an enrollee's out-of-pocket cost for a covered prescription drug based on a price reduced by at least 80 percent of any rebates the insurer receives for that drug. It defines terms like rebate, cost sharing requirement, and health benefit plan, and it exempts self-funded employer plans governed by federal ERISA law. The bill also protects the specific rebate amounts as trade secrets, shielding them from public records requests, though insurers can still share them with regulators, courts, or contractors who need them. The law would apply to policies issued or renewed on or after January 1, 2026.

### What it does

- Requires insurers to reduce an enrollee's out-of-pocket cost for a prescription drug by at least 80 percent of any rebate the insurer receives for that drug, calculated at the pharmacy counter.
- Requires insurers to describe this rebate-based cost calculation within their health benefit plans.
- Creates civil penalties, including possible license suspension or revocation, for insurers that do not comply, under Georgia's existing insurance penalty law (O.C.G.A. § 33-2-24).
- Classifies the specific dollar amounts of rebates insurers receive as trade secrets, exempting them from Georgia's open records law (O.C.G.A. § 50-18-70) and barring disclosure to most nongovernmental parties.
- Allows insurers to still disclose rebate details to state regulators, under a court order, or to contractors performing administrative services, as long as confidentiality is maintained.
- Sets an effective date of January 1, 2026, applying to insurance policies issued or renewed on or after that date.

### Who it affects

Georgia residents enrolled in state-regulated commercial health insurance plans who take prescription drugs, along with the insurers, HMOs, and similar entities that must recalculate cost sharing. Public employees and teachers in Georgia's state health plans are also covered, while people on self-funded employer plans governed by federal ERISA law are excluded.

### Why it matters

If enacted, many Georgians could see lower out-of-pocket costs at the pharmacy because insurers would have to pass most rebate money on to patients instead of keeping it. At the same time, the exact size of those rebates would remain shielded from public disclosure as a trade secret.

### Key provisions

- Section 1 names the bill the 'Prescription Drug Consumer Financial Protection Act.'
- Section 2 lists legislative findings about high out-of-pocket drug costs and insurers retaining rebate value instead of passing it to enrollees.
- Section 3 adds new Code Section 33-24-59.34, defining 'rebate,' 'cost sharing requirement,' 'insurer,' and other terms, and excluding ERISA self-funded plans.
- Section 3(b) requires insurers to calculate an enrollee's point-of-sale cost using a price reduced by at least 80 percent of rebates received for that drug.
- Section 3(c) ties noncompliance to existing insurance penalties under O.C.G.A. § 33-2-24, including possible license suspension or revocation.
- Section 3(e)-(f) makes specific rebate amounts a protected trade secret exempt from public records law, with limited disclosure allowed to regulators, courts, or service contractors.
- Section 4 sets the effective date as January 1, 2026, for policies issued or renewed on or after that date.

## Status

- Status: Introduced (2025-01-17)
- Last action: House Second Readers (2025-01-28)
- Sponsors: Demetrius Douglas, Lee Hawkins, Michelle Au, Brian Prince, Karen Bennett, Jasmine Clark
- Official page: https://www.legis.ga.gov/legislation/69453

> The history, votes, and amendments (129 characters) are at https://georgiacommons.org/bills/2025-2026/hb100.md?full=1