This bill establishes new insurance coverage requirements for the treatment of eating disorders in Iowa. It defines "eating disorder" to include various 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 contracts 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 qualified health care professional and may encompass a range of therapies 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 apply to various types of insurance contracts and plans effective from January 1, 2026, while explicitly excluding certain types of insurance such as accident-only or dental coverage. The commissioner of insurance is tasked with adopting rules to ensure the effective administration of this new coverage requirement.