Requires health insurance and Medicaid coverage for family planning and reproductive health care services; prohibits adverse actions by medical malpractice insurers in relation to performance of legally protected health care services.

S 2257 requires all health insurance plans and Medicaid in New Jersey to cover family planning and reproductive health care services - including abortion, contraception, counseling, and related medical care - without cost-sharing. It directly affects health insurers, Medicaid, and medical providers by mandating comprehensive coverage and prohibiting medical malpractice insurance companies from penalizing providers for offering legally protected reproductive care. The bill defines covered services to include abortion procedures, emergency care, genetic testing, and well-baby care, while explicitly excluding childbirth. This policy aims to remove financial barriers, particularly for low-income individuals, people of color, and those in rural areas, ensuring access to reproductive health services without insurance restrictions.