For purposes of offering an insurance policy covering inmates, as of January 1, 2027, this bill generally authorizes an insurer to adopt or amend a preferred drug list (PDL). In establishing and maintaining the PDL, the insurer must ensure that a non-opioid drug approved by the United States food and drug administration for the treatment or management of pain is not disadvantaged or discouraged with respect to coverage relative to an opioid or narcotic drug for the treatment or management of pain on the PDL. However, these provisions do not prohibit an opioid medication from being preferred over other opioid medications, or a non-opioid medication from being preferred over other non-opioid medications. This bill applies to a non-opioid drug after it has been approved by the United States food and drug administration for a period of nine months or longer for the treatment or management of pain, regardless of whether the drug has been reviewed by the insurer for inclusion on the PDL. This bill also applies to drugs being provided under a contract between the insurer and a pharmacy benefits manager for purposes of an insurance policy.