Requires insurance coverage for home test kits for sexually transmitted diseases

This bill (S 2704) requires health insurance plans to cover FDA-approved home test kits for sexually transmitted diseases (STIs), including HIV. It applies to all medical, hospital, and surgical insurance policies, directly affecting insurers and policyholders who use these self-collection kits. The law defines covered kits as those recommended by the CDC or U.S. Preventive Services Task Force, cleared by the FDA, or developed under strict quality standards for remote STI testing. This mandate takes effect 90 days after enactment for new or renewed policies.