The bill introduces a new section to chapter 48.43 RCW that mandates nongrandfathered health plans issued or renewed on or after January 1, 2026, to eliminate cost-sharing requirements for in-network covered prenatal and postnatal services. This includes a range of services such as office visits, laboratory services, ultrasounds, and counseling related to maternity care. Additionally, starting January 1, 2027, these health plans must also cover prescription drugs for pregnancy-related conditions without imposing cost-sharing. For health plans qualifying for health savings accounts, cost-sharing must be set at a minimum level to maintain tax-exempt contributions.

The bill also specifies the duration of coverage for prenatal and postnatal services, defining the prenatal period as beginning with the first claim related to pregnancy and extending until delivery, while the postnatal period lasts for 12 weeks after delivery, with some claims extending up to one year for complications. The Office of the Insurance Commissioner is authorized to adopt necessary rules for implementation. Furthermore, the bill reenacts and amends RCW 41.05.017 to include the new section as part of the provisions applicable to health plans providing medical insurance.