This bill establishes new insurance coverage requirements for the treatment of eating disorders in Iowa. It defines eating disorders to include conditions such as anorexia nervosa, bulimia nervosa, and binge eating disorder, among others. The bill mandates that health carriers offering individual, group, or small group insurance plans must provide coverage for health care services as outlined in a covered person's treatment plan. This includes services that may be provided out-of-network or out-of-state if they are deemed medically necessary and unavailable within the state. The treatment plan is to be developed by a licensed health care professional and may encompass various therapeutic approaches and medical interventions.

Additionally, the bill stipulates that the coverage provided for eating disorders must be at least as favorable as that for general physical illnesses, and the cost-sharing requirements cannot be less favorable than those for physical health coverage. The provisions of this bill will apply to specific classes of third-party payment provider contracts, policies, or plans that are delivered, issued, or renewed in Iowa on or after January 1, 2026. The bill also outlines exclusions for certain types of insurance, such as accident-only or dental coverage, and requires the commissioner of insurance to adopt rules for its administration.