The Patients Choice in Specialty Pharmacy Act prohibits health insurance plans and insurers from steering patients toward affiliated specialty pharmacies when filling prescriptions for complex or expensive medications. Specifically, the bill bans practices like charging higher copayments for non-affiliated pharmacies, offering financial incentives to use affiliated ones, or creating administrative delays for patients who use independent specialty pharmacies. The legislation also requires insurers to contract with any qualified, licensed specialty pharmacy willing to accept standard network terms and reimbursement rates, though they can still exclude pharmacies involved in fraud, abuse, or those excluded from Medicare. This bill applies to most group health plans and individual insurance coverage but exempts self-insured employer plans. The new rules take effect on January 1, 2029.