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

HB 6368 prohibits insurance discrimination in Rhode Island health plans by expanding protections to cover race, ethnicity, religion, national origin, sex (including sexual orientation, gender identity, and pregnancy), age, disability, and other categories. It bans insurers from denying coverage, limiting benefits, or imposing extra costs for specific services like gender-affirming care or reproductive health based on these protected characteristics. The law requires coverage decisions to be based on medical necessity, not discrimination, and applies to all health-benefit plans offered by insurance companies, hospitals, and healthcare entities in the state. This directly affects both insurance consumers and healthcare providers who must comply with these non-discrimination standards.