The bill amends various chapters of the General Laws to require that health insurance contracts, plans, or policies delivered or issued for delivery or renewed in the state provide coverage for a range of contraceptive methods and services. This includes coverage for FDA-approved contraceptive drugs, devices, and products, with exceptions for male condoms and certain FDA-approved oral contraceptives that do not have a therapeutic equivalent. The legislation mandates that at least one therapeutic equivalent must be included in the formulary without cost-sharing if available. Additionally, it specifies coverage for FDA-approved emergency contraception available over-the-counter, prescription contraceptives intended to last for defined durations, voluntary female sterilization procedures, and related patient education and follow-up services.

The bill ensures that coverage for these contraceptive services is not subject to any deductible, coinsurance, copayment, or other cost-sharing requirements, except as otherwise required under federal law. It emphasizes that benefits must be the same for enrollees and their covered spouses and dependents, and coverage cannot be denied for contraceptive methods prescribed for non-contraceptive medical reasons. The Office of the Health Insurance Commissioner is tasked with ensuring compliance with these provisions, while insurers are not required to cover experimental or investigational treatments. The act is scheduled to take effect on January 1, 2026.