This bill amends the General Laws concerning health insurance policies, specifically targeting infertility coverage and genetic testing. It mandates that all health insurance contracts, plans, or policies that include pregnancy-related benefits must provide coverage for the expenses of diagnosing and treating infertility for women aged 25 to 42. This includes coverage for preimplantation genetic diagnosis (PGD) in conjunction with in vitro fertilization (IVF) and standard fertility-preservation services when medical treatments may lead to infertility.

The bill defines "infertility" as the condition of an otherwise presumably healthy individual who is unable to conceive or sustain a pregnancy during a period of one year. It also defines "preimplantation genetic diagnosis" (PGD) as a technique used in conjunction with IVF to test embryos for specific genetic disorders prior to their transfer to the uterus.

Additionally, the bill enhances protections for genetic testing by requiring that any health insurance contract, plan, or policy delivered or issued for delivery or renewed in the state cannot release genetic information without prior written consent from the individual. It specifies that health insurance policies cannot use genetic test results to influence coverage decisions, including denials or rate increases. The bill clarifies the definition of genetic testing and states that tests conducted for research purposes are excluded from certain provisions.

The legislation aims to improve access to infertility treatments while safeguarding individuals' genetic information within health insurance frameworks, with an effective date set for January 1, 2026.