SB 5 requires health insurers that use prior authorization requirements to create a Gold Card program that reduces or removes prior authorization requirements for health care providers who demonstrate a strong track record of following evidence-based medicine. The goal is to reduce administrative burdens for providers and insurers while ensuring high-quality care for patients. SB 5 was amended by the House to include the language from HB 124, which requires insurers to cover treatment for PANS and PANDAS (autoimmune diseases that can develop after a case of strep throat).