A bill for an act relating to health insurance coverage for contraceptive devices, drugs, and services.

SF 188 requires most health insurance plans in Iowa to cover contraceptive drugs, devices, and services without cost-sharing (like copays or deductibles), provided the plan covers other prescription drugs or services. It prohibits insurers from denying coverage, reducing benefits, or penalizing providers for offering contraceptive care, and defines "medical need" to allow doctors to recommend specific contraceptives without extra costs. The law applies to individual and group health plans (including those for public employees) issued or renewed on or after January 1, 2026, but excludes dental, vision, and short-term insurance. Insurers must clearly disclose contraceptive coverage details on their websites and via mail upon request.