AN ACT RELATING TO INSURANCE -- ACCIDENT AND SICKNESS INSURANCE POLICIES

HB 5626 requires most health insurance plans in the state to cover FDA-approved contraceptive drugs, devices, and related services without cost-sharing (like copays or deductibles). It directly affects individuals with health insurance plans by mandating coverage for specific methods - including emergency contraception, long-acting prescriptions (up to 12 months), sterilization, counseling, and follow-up care - while excluding male condoms and oral contraceptives without therapeutic equivalents. Insurers must cover at least one FDA-approved option per method category without cost-sharing, though they may offer multiple options with cost-sharing if one remains free. The law excludes experimental treatments and Medicare supplemental plans, and ensures coverage applies equally to spouses and dependents.