Requires health benefit plans to provide coverage for in vitro fertilization

HB 1323 requires most health insurance plans sold in the state to cover in vitro fertilization (IVF) starting January 1, 2026. It directly affects health insurers and individuals seeking IVF treatment by mandating coverage for IVF services performed at state-licensed facilities following guidelines from the American College of Obstetricians and Gynecologists or the American Society for Reproductive Medicine. The bill excludes supplemental policies like Medicare supplements, accident-only coverage, and short-term health plans. This is a substantive policy change expanding reproductive healthcare access under state-regulated health benefit plans.