Insurance, Health, Accident - As introduced, enacts the "Freedom to Grow Our Tennessee Families Act." - Amends TCA Title 56 and Title 71.

HB 595, the "Freedom to Grow Our Tennessee Families Act," requires Tennessee health insurers to cover specific fertility services starting January 1, 2026. It mandates coverage for fertility diagnostic care, treatment (to achieve pregnancy), and preservation services (like egg freezing), including at least three egg retrievals with unlimited embryo transfers. The law prohibits insurers from denying coverage based on medical history (e.g., cancer treatment), using donor gametes, or discriminating due to race, gender, or relationship status. It also bans waiting periods and requires insurers to base coverage limits solely on medical guidelines from established fertility organizations. This directly affects Tennessee residents with health insurance plans and the state’s health insurers.