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Committee weighs extending PERS insulin cap to commercial plans as proponents cite lives saved and insurers warn of market costs
Summary
Supporters urged the committee to extend a $25 monthly cap on insulin and certain diabetic supplies to commercially insured North Dakotans; the PERS board’s pilot found modest plan costs and member savings, while insurers warned the mandate could raise premiums or be redundant where caps already exist.
Representative Carrie McLeod presented House Bill 1114, a bill drafted by the Public Employees Retirement System (PERS) board to continue a $25 monthly cost-sharing cap for specified insulin products and diabetic supplies and to extend comparable coverage to the commercial market.
McLeod and multiple advocates described the cap as life-saving for patients dependent on insulin. They cited a PERS pilot directed by Senate Bill 2140: PERS extended a $25 cap for its active group plan during 2023–24 and PERS staff and consultants reported limited utilization changes and measurable per-member savings while estimating a modest premium impact to continue the benefit in PERS plans.
Rebecca Fricke, executive director of the North Dakota PERS, told the committee the pilot (July 1, 2023–June 30, 2024) produced an estimated member…
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