Pharmacy MAC Rights

All 50 states and DC · verified

What your state actually requires your PBM to tell you

42 jurisdictions give pharmacies a real right to see maximum allowable cost pricing and to appeal an underpayment. Most owners have never used them, and a lot of what is written about them is wrong — including on two state government websites.

or pick it off the map

How long you have to appeal, by state

Click your state for the statute, the trigger, and what a denial has to tell you.

AK? Alaskaappeal right exists but the statute states no deadline ME14 Maine14 days to appeal VT10 Vermont10 days to appeal NH30b New Hampshire30 business days to appeal WA? Washingtonappeal right exists but the statute states no deadline ID30 Idaho30 days to appeal MT10 Montana10 days to appeal ND? North Dakotaappeal right exists but the statute states no deadline MN15b Minnesota15 business days to appeal IL14 Illinois14 days to appeal WI21 Wisconsin21 days to appeal MI45 Michigan45 days to appeal NY30 New York30 days to appeal RI15 Rhode Island15 days to appeal MA— Massachusettsno usable MAC appeal right OR60 Oregon60 days to appeal NV— Nevadano usable MAC appeal right WY10b Wyoming10 business days to appeal SD— South Dakotano usable MAC appeal right IA30b Iowa30 business days to appeal IN60 Indiana60 days to appeal OH21 Ohio21 days to appeal PA14 Pennsylvania14 days to appeal NJ14 New Jersey14 days to appeal CT— Connecticutno usable MAC appeal right CA14b California14 business days to appeal UT21 Utah21 days to appeal CO21 Colorado21 days to appeal NE15b Nebraska15 business days to appeal MO14 Missouri14 days to appeal KY60 Kentucky60 days to appeal WV— West Virginiano usable MAC appeal right VA14 Virginia14 days to appeal MD21 Maryland21 days to appeal DE10 Delaware10 days to appeal AZ? Arizonaappeal right exists but the statute states no deadline NM21b New Mexico21 business days to appeal KS— Kansasno usable MAC appeal right AR30b Arkansas30 business days to appeal TN7b Tennessee7 business days to appeal NC10 North Carolina10 days to appeal SC10 South Carolina10 days to appeal DC— District of Columbiano usable MAC appeal right OK14 Oklahoma14 days to appeal LA15b Louisiana15 business days to appeal MS30b Mississippi30 business days to appeal AL— Alabamano usable MAC appeal right GA14 Georgia14 days to appeal HI— Hawaiino usable MAC appeal right TX10 Texas10 days to appeal FL30b Florida30 business days to appeal

Days to file an appeal

10 days or less11 to 20 days21 to 30 daysMore than 30 daysRight exists, no deadline statedNo usable appeal right

Darker means more time. A number followed by b is business days. — is no appeal right, ? is a right the statute attaches no deadline to.

Shading counts business-day windows at 1.4 calendar days each so the two units are comparable at a glance. Every table row and state page shows the statutory wording instead.

Every jurisdiction, as text

The same data as the map. Filter it, sort it, or click through for the statute and the sources.

State MAC appeal rights, sortable
State Right to the list What a denial must say Statute
Alabama No appeal right — — —
Alaska check NONE Yes — the PBM must provide the list free of charge plus read none in force (pre-repeal required NDC and wholesaler name) AS 21.27.945 (list) · AS 21.27.950 REPEALED eff. 1 Jan 2025 (HB 226, ch. 61 SLA 2024) · AS 21.27.953 (regulation mandate)
Arizona check No window in statute No — only the sources, not the list Neither NDC nor wholesaler — Arizona imposes no denial duty at all A.R.S. § 20-3331
Arkansas check ≥30 b.d. Yes — "provide access to its Maximum Allowable Cost List" NDC and wholesaler name Ark. Code Ann. § 17-92-507
California 14 b.d. Yes, on request — the most up-to-date MAC list NDC only — of an equivalent drug purchasable by a similarly situated p Cal. Bus. & Prof. Code § 4440
Colorado check 21 days Only the sources list, within 10 days of request NDC only C.R.S. § 10-16-122.6 (relocated from § 25-37-103.5)
Connecticut No appeal right — — —
Delaware 10 cal. days Yes — access to the most recent MAC specific to the provider NDC + the name of in-state wholesalers with the drug in stock below MA 18 Del. C. §§ 3323A, 3324A; penalties § 3373A
District of Columbia No appeal right — — —
Florida ≥30 b.d. No express right (remittance detail only) NDC + name of in-state wholesalers with the drug currently in stock be Fla. Stat. § 626.8825(3)(h); update at §§ 627.64741, 627.6572, 641.314
Georgia 14 cal. days No — sources in contract only NDC only — no wholesaler, no in-stock test O.C.G.A. § 33-64-9
Hawaii No appeal right — — —
Idaho 30 days Yes — "readily access" the list NDC + name of in-state wholesalers with the drug currently in stock be Idaho Code § 41-349(7), (13)
Illinois 14 cal. days Yes, via mandated contract term NDC + wholesaler name — but no at/below-MAC or equivalence qualifier 215 ILCS 5/513b1
Indiana 60 days Yes — list + sources on 10-day request NDC available in Indiana at/below MAC; no wholesaler IC 27-1-24.5-22, -23, -24; 760 IAC 5-4
Iowa ≥30 b.d. Yes — "reasonable access" NDC + named licensed wholesale distributor, plus a self-executing rebu Iowa Code §§ 510B.8A, 510B.8E — note § 510B.8E(1) requires "a reasonable process to allow a pharmacy to appeal any matter," not only MAC
Kansas check No appeal right — — —
Kentucky 60 days Yes — the broadest in the country. Comprehensive list + the NDC of the appealed drug or a therapeutically equivalent drug of the s KRS 304.17A-162 + 806 KAR 17:575
Louisiana 15 b.d. Yes — "provide access" NDC + source at/below MAC from Louisiana wholesalers La. R.S. 22:1863, :1864, :1865
Maine 14 days Partial — sources on request + a process to obtain that phar NDC "from national or regional wholesalers" of a comparable drug — who 24-A M.R.S. § 4350
Maryland 21 days Yes — access to current and applicable MAC lists NDC + the name of the wholesale distributor + the mathematical calcula Md. Ins. § 15-1628.1
Massachusetts check No appeal right — — —
Michigan 45 cal. days Yes — access to the list and the source for each drug NDC only — no wholesaler, no drug descriptor MCL 550.837 (2022 PA 11)
Minnesota 15 b.d. Yes, on request — sources + which list applies + the list it Reason + NDC; no wholesaler Minn. Stat. § 62W.08 + Minn. R. 2737.1400
Mississippi "less than 30 b.d." Yes — "provide access to its MAC list" NDC + names of wholesalers operating in Mississippi with the drug curr Miss. Code § 73-21-156
Missouri 14 cal. days No express right — sources only NDC only, availability tested against "contracted pharmacies" generall RSMo 376.388
Montana 10 cal. days "from the time of denial by the PBM" Yes — sources on request + access to the list NDC of an equivalent drug purchasable in this state from national/regi MCA 33-22-172, -173
Nebraska 15 b.d. Yes, via contract — list "readily accessible and usable" NDC only, price "as determined by the PBM"; no wholesaler, no in-state Neb. Rev. Stat. § 44-4608
Nevada No appeal right — — —
New Hampshire ≥30 b.d. Yes — the actual MAC per drug must be made available NDC only; no wholesaler RSA 402-N:3
New Jersey 14 cal. days Yes, via contract — access process required NDC available to the specific appealing pharmacy + the name of a regis N.J.S.A. 17B:27F-2, -3, -4; N.J.A.C. 11:4-62
New Mexico ≥21 b.d. Yes — access to the list + sources on request NDC + supplier with the product available in New Mexico at/below MAC NMSA 1978 § 59A-61-4
New York 30 days No such right in § 280-a or Ins. art. 29 NDC of a therapeutically equivalent drug (FDA-determined) available fr N.Y. Pub. Health Law § 280-a(4); penalties N.Y. Ins. Law § 2908
North Carolina ≥10 cal. days Yes — means to "promptly review current prices" Weakest of the naming states — the NDC required is of the drug already N.C.G.S. § 58-56A-5
North Dakota none stated in statute Yes — list + sources Nothing required — the only state with an appeal but no denial duty at N.D.C.C. § 19-02.1-14.2
Ohio 21 days Yes — sources within 10 days of any request + electronic acc NDC + the identity of the national or regional wholesalers from whom t Ohio Rev. Code § 3957.25 (formerly § 3959.111, renumbered eff. 30 Jun 2026)
Oklahoma 14 cal. days Yes — "readily access the MAC list specific to that provider Strongest in the country — the NDC and the name of the specific in-sta 59 O.S. § 360
Oregon ≥60 days Yes, on request — a list that "(A) Is electronic; (B) Is com NDC purchasable by similarly situated pharmacies at/below MAC; no whol ORS 735.534
Pennsylvania 14 cal. days Contract only NDC of an equivalent drug from wholesalers at/below MAC; no named whol Act 169 of 2016, §§ 701–703
Rhode Island 15 days Contract only NDC "available in adequate supply" — no price test, no wholesaler §§ 27-18-33.2, 27-19-26.2, 27-20-23.2, 27-20.1-15.1, 27-41-38.2
South Carolina ≥10 cal. days No — access to that provider's own MAC only NDC + the names of in-state wholesalers — but no statutory at-or-below S.C. Code § 38-71-2240; Regs. 69-77
South Dakota check No appeal right — — —
Tennessee 7 b.d. Yes, on request — "every maximum allowable cost list," exten § 3108: NDC at/below MAC, no wholesaler. § 3206(c)(4): the names of in §§ 56-7-3106 to -3110 and § 56-7-3206
Texas 10 days Yes — "a process to readily access the MAC list that applies NDC only — sourced "from the national or regional wholesalers," but th Tex. Ins. Code §§ 1369.351–.362 (Subchapter H, not G)
Utah 21 days Yes, on request — "(i) is electronic; (ii) is computer acces NDC of a drug purchasable at/below the PBM's price, plus (new in 2026) Utah Code § 31A-46-303, as amended by HB 527 (2026)
Vermont 10 cal. days Yes — the actual MAC for each drug and the source used, and NDC + a Vermont-licensed wholesaler of an equivalent drug purchasable 18 V.S.A. § 3631 (§ 9473 survives in parallel until 1 Jul 2029)
Virginia 14 days Yes, as a required contract term — "readily access the MAC l NDC only; no wholesaler Va. Code § 38.2-3407.15:3
Washington no statutory filing deadline Yes, on request — "in a format that is readily accessible to NDC + the price + the name of at least one wholesaler or supplier from RCW 48.200.280 + WAC 284-180-507
West Virginia No appeal right — — —
Wisconsin 21 days Via required contract term — a means to "promptly review pri NDC only; no wholesaler Wis. Stat. § 632.865(2)
Wyoming 10 b.d. Yes — "readily access the MAC applicable to that provider" NDC + the names of national or regional wholesalers that have the prod Wyo. Stat. § 26-52-104

Why this exists

We went looking for a straight answer to a simple question — how long does a pharmacy have to appeal a MAC underpayment — and found that the commonly available answer is wrong in six jurisdictions. Two of the six errors come from sources you would normally trust.

  1. Connecticut — search results confidently quote MAC appeal deadlines. Connecticut has no MAC law. The phrase does not appear in the relevant chapter. The quoted text comes from two bills that failed.
  2. Hawaii — repealed in 2023. The official code page reads, in full, "REPEALED." Summaries still describe it as live. A 2026 restoration bill died in committee.
  3. Alaska — the appeal statute was repealed effective 1 January 2025. A major legal aggregator still lists it, and a respected 2026 industry inventory still describes the appeal process as active.
  4. Kansas — repealed in April 2026 and replaced with a reimbursement floor. The state's own revisor pages still displayed the repealed text when we checked.
  5. South Dakota — summaries cite a MAC appeals provision to a 2025 bill. That bill is about labelling of firefighting equipment.
  6. Michigan — a summary produced a "file within 10 days, respond within 10 days" rule. No such clause exists in the statute.
42jurisdictions with a usable appeal right
9with no usable appeal right, including two that repealed one
7flagged because the obvious answer is misleading
10carrying at least one field we could not confirm, and say so

Everything here is read against primary statutory text — legislature and revisor sites, official codes, enrolled session law and court opinions. The method, and what is still unverified.

Where to actually send it

Mississippi's Board of Pharmacy publishes a roster of 60-odd licensed PBMs and their appeal contacts. Read it closely and those sixty collapse into about eight real endpoints, because most plan names route to a mailbox someone else owns. Five of the eight are email. Two of them are the hardest to file with and also the two biggest.

The eight endpoints

Whether any of it is honoured, nobody knows

There is no public record of how PBMs actually respond to these requests. Not from the states, not from the trade press, not from the PBMs. So we are building one out of what owners report, and showing the sample size next to every number rather than rounding a handful of reports into a headline.

See it, or add what happened to you

Before you rely on a deadline, know which plan is behind the claim

State MAC rights are strongest on commercial claims — individual plans, fully insured employer plans, and in many states the state employee plan. For self-funded employer plans they stand, because the Supreme Court's 2020 Rutledge decision specifically upheld MAC update and appeal mandates.

Medicare Part D is the real problem. Federal law expressly supersedes state regulation of Part D plans, two federal circuits apply that rule at very different levels of generality, and in Arkansas a federal court entered final judgment that the state MAC law is preempted as to Part D. Part D is roughly a quarter of a typical independent's volume, so this is not a footnote.

Medicaid depends entirely on your own state's statute — some exempt it by name, some cover it by name, most are silent. TRICARE and federal-employee claims should be treated as outside these rights.