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 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, including emergency contraception, prescription contraceptives, voluntary female sterilization procedures, and associated patient education and follow-up services.

Coverage must be provided without any cost-sharing, deductibles, or copayments, except as mandated by federal law. If a provider recommends a specific FDA-approved contraceptive based on medical necessity, insurers must cover it without cost-sharing, regardless of the availability of a therapeutic equivalent. The bill clarifies definitions for terms such as "provider" and "therapeutic equivalent," and ensures that coverage does not impose unreasonable restrictions or delays. Benefits for enrollees under this section shall be the same for the enrollees' covered spouses and dependents. Additionally, the bill includes coverage for contraceptive methods prescribed for non-contraceptive purposes, such as decreasing the risk of ovarian cancer or providing necessary contraception to preserve the life or health of the enrollee or their covered spouse or dependents.

The act is set to take effect on January 1, 2026.