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 outlines the duration of coverage for prenatal and postnatal services, specifying that the prenatal period begins with the first claim related to pregnancy and extends until delivery, while the postnatal period lasts for 12 weeks after delivery, with an additional extension for complications. The Office of the Insurance Commissioner is authorized to adopt necessary rules for implementation. Furthermore, the existing RCW 41.05.017 is amended to include this new section, ensuring that all relevant health plans comply with these updated provisions.