The bill amends various chapters of the General Laws to require health insurance contracts, plans, or policies delivered or issued for delivery or renewed in the state to provide comprehensive coverage for a range of contraceptive methods and services. It introduces new sections in Chapters 27-18, 27-20, and 27-41, mandating coverage for FDA-approved contraceptive drugs, devices, and products, including emergency contraception, prescription contraceptives, and voluntary female sterilization procedures. This coverage must be provided without any cost-sharing, deductibles, or copayments, except as required by federal law.

The bill specifies that while insurers are not required to cover male condoms or certain FDA-approved oral contraceptives without therapeutic equivalents, they must ensure that coverage is consistent for enrollees' spouses and dependents. It also emphasizes that contraceptive drugs and devices prescribed for non-contraceptive medical reasons must be covered, including those necessary to decrease the risk of ovarian cancer, eliminate symptoms of menopause, or preserve the life or health of the enrollee or their covered spouse or dependents.

Additionally, the bill allows for reasonable medical management techniques in coverage while prohibiting unreasonable restrictions or delays. The Office of the Health Insurance Commissioner is designated to ensure compliance with these provisions. The bill is set to take effect on January 1, 2026, and clarifies that insurers are not obligated to cover experimental or investigational treatments.