Health insurance policies; require coverage for certain obesity treatments.

HB 360 would require most health insurance plans in Mississippi to cover obesity treatments for residents with a body mass index (BMI) 30% above their ideal weight, when a physician certifies the treatment as medically necessary. This includes coverage for bariatric surgeries, gastric bypass, lap band procedures, and obesity screening tests. Insurers could not charge additional deductibles or coinsurance beyond standard levels for these treatments, and providers would receive reimbursement at least equal to Medicare rates. The law would apply to individual and group health plans issued or renewed after July 1, 2025, directly affecting insurers and Mississippi residents seeking obesity-related care.