In 2015, the insurance commissioners of Colorado and Montana, citing the Patient Protection and Affordable Care Act (ACA) prohibition on discriminatory health benefit designs and stating that benefits with coinsurance cost sharing for prescription drugs may be discriminatory, instructed insurers to offer a minimum number of ACA plans with only fixed dollar copays for prescription drugs. This report examines the Colorado and Montana markets before and after this guidance.
This report was commissioned by Pfizer, Inc.