A bill for an act relating to health insurance coverage for specified pediatric autoimmune neuropsychiatric disorders and postinfectious autoimmune encephalopathy.

HF 2314 requires Iowa health insurance plans to cover diagnosis and treatment for pediatric autoimmune neuropsychiatric disorders (PANS), PANDAS (a subset of PANS), and postinfectious autoimmune encephalopathy. It mandates coverage for medically necessary treatments - like antibiotics, behavioral therapies, plasma exchange, and immunoglobulin - as recommended by a healthcare provider and aligned with established medical protocols. The law applies to individual, group, and small group health insurance plans delivered or renewed in Iowa on or after January 1, 2027, and prohibits insurers from denying coverage based on prior treatment for these conditions or unrelated health issues. This directly affects children diagnosed with these conditions and their insurance providers.