The bill H.302 aims to mandate health insurance plans and Vermont Medicaid to provide coverage for fertility-related services. It introduces new legal language under 8 V.S.A. 4099f, defining various terms related to fertility care, including "fertility diagnostic care," "fertility preservation services," and "fertility treatment." The bill specifies that health insurance plans must cover fertility diagnostic care for all individuals, fertility treatment for those with infertility, and fertility preservation services. Additionally, it prohibits health insurance plans from imposing greater financial burdens for accessing fertility services compared to other health conditions and allows for certain exclusions, such as experimental procedures and nonmedical costs related to donor services.

Furthermore, the bill includes provisions under 33 V.S.A. 1901n, requiring the Agency of Human Services to provide Medicaid coverage for the same fertility-related services outlined for health insurance plans. The Agency is also tasked with seeking federal approval to amend Vermont's Medicaid state plan to include these services by September 1, 2025. The effective dates for the various sections of the bill are staggered, with the health insurance coverage provisions set to take effect on January 1, 2026, while Medicaid coverage will begin upon federal approval.