This bill establishes new requirements for health insurance coverage related to contraceptive drugs, devices, and services in Iowa. It mandates that any policy providing coverage for prescription drugs must not exclude or restrict benefits for contraceptive drugs, devices, or their generic equivalents if it covers other non-contraceptive prescription drugs. Additionally, the bill prohibits policies from denying individuals eligibility based on their use of contraceptives, imposing cost-sharing for contraceptive services, or incentivizing healthcare professionals to withhold contraceptive options. It also defines key terms such as "contraceptive device," "contraceptive drug," and "medical need," and outlines the conditions under which cost-sharing may be applied.
Furthermore, the bill requires that policies provide clear information about contraceptive coverage and allows policyholders the option to reject the coverage provision. It specifies that these requirements will apply to various types of health insurance contracts issued or renewed in Iowa starting January 1, 2026, while excluding certain types of insurance such as accident-only or dental coverage. The bill also repeals a previous section of the law related to contraceptive coverage, indicating a significant update to the state's approach to health insurance and reproductive health services.
Statutes affected: Introduced: 514C.6