The Prior Authorization Reform for Autoimmune and Blood Disorders Act requires health insurance plans to cover drugs prescribed for autoimmune diseases, hemophilia, and Von Willebrand disease without restrictions based on whether they come from a pharmacy or another source. The bill also limits insurance companies' ability to require prior authorization for these drugs to once per year, unless the medication is typically used for 12 months or less, is an opioid, benzodiazepine, barbiturate, or carisoprodol, or requires special safety monitoring by the FDA. The legislation applies to all group health plans and individual health insurance policies offered by private insurers and would take effect for plan years beginning January 1, 2027. The bill affects millions of Americans with autoimmune and blood disorders by reducing barriers to accessing necessary medications and streamlining the insurance approval process.