An Act relating to health insurance; defining terms; requiring guidelines for step therapy protocol for certain health insurance plans; requiring guidelines be based upon certain criteria; authorizing certain substitution; requiring insurers to provide process to request a step therapy exception; requiring insurer to grant step therapy exception in certain circumstances; requiring insurers to permit certain appeals; establishing timeline for response to step therapy exception; granting exception in certain circumstances; requiring insurer to authorize certain coverage in certain situations; providing construing provision; authorizing Insurance Department and Health Care Authority to promulgate rules; providing for codification; and providing an effective date.