The bill amends various chapters of the General Laws to require health insurance contracts, plans, or policies issued or renewed in the state to provide comprehensive coverage for a range of contraceptive methods and services. It introduces a new section in Chapters 27-18, 27-20, and 27-41, mandating coverage for FDA-approved contraceptive drugs, devices, and products, with specific exceptions such as male condoms and FDA-approved oral contraceptive drugs that do not have a therapeutic equivalent. The bill ensures that if a provider recommends a specific FDA-approved contraceptive based on medical necessity, it must be covered without cost-sharing.

Additionally, it includes provisions for FDA-approved emergency contraception available over-the-counter, prescription contraceptives intended to last for specified periods, voluntary female sterilization procedures, patient education and counseling on contraception, and follow-up services related to the covered drugs, devices, products, and procedures.

Coverage provided under this section shall not be subject to any deductible, coinsurance, copayment, or other cost-sharing requirement, except as otherwise required under federal law. The bill emphasizes that benefits must be consistent for the enrollee's spouse and covered dependents and clarifies that coverage cannot be denied for contraceptive methods prescribed for non-contraceptive medical reasons, such as decreasing the risk of ovarian cancer or preserving the life or health of the enrollee or their dependents. The Office of the Health Insurance Commissioner is tasked with ensuring compliance with these provisions, while also stating that insurers are not required to cover experimental or investigational treatments. The provisions of this act are set to take effect on January 1, 2026.