The bill amends existing laws to require health insurance plans to provide comprehensive coverage for FDA-approved contraceptive services without cost-sharing, effective January 1, 2024. This includes prescription contraceptive drugs and devices, over-the-counter contraceptives without a prescription, voluntary sterilization procedures, and related clinical services. Insurers must cover a 12-month supply of contraceptives at once if requested and cannot impose deductibles, coinsurance, copayments, or any other cost-sharing requirements. The bill also ensures equal coverage for an enrollee's spouse or domestic partner and dependents. It includes provisions for religious employers to exclude contraceptive coverage that contradicts their religious tenets, except for non-contraceptive purposes, and requires them to notify prospective enrollees of such exclusions.

Furthermore, the bill mandates that health insurance issuers cannot restrict reimbursement for dispensing up to a 365-day supply of prescription contraception, which can be provided all at once or over a 12-month period. Coverage for contraceptive drugs, devices, or products cannot be excluded for reasons other than contraceptive purposes, and plans that violate these provisions are subject to penalties. The department is tasked with monitoring compliance, adopting rules for implementation, engaging in a stakeholder process, conducting random reviews, and submitting an annual report on compliance efforts. The act will take effect upon passage, ensuring broad access to contraceptive services and simplifying the process for enrollees to receive these services without financial barriers.

Statutes affected:
5477: 27-18-57, 27-19-48, 27-20-43, 27-41-59