Establishes and requires coverage for routine opt-out HIV testing during provision of medical care in certain settings.

This bill requires health insurance plans in New Jersey to cover routine HIV testing for patients receiving care in primary care settings, emergency departments, and other appropriate health facilities. Under the new rules, HIV testing will be performed automatically unless a patient explicitly opts out, provided they have already given general consent for their medical visit. The legislation also mandates that insurance contracts cannot be issued or renewed without including these testing benefits, ensuring coverage is treated like any other medical condition.