Increasing access to contraceptive drugs, devices, and procedures

HB 5185 requires most health insurance plans in West Virginia to cover contraceptive drugs, devices, and related services without cost-sharing (like copays or deductibles) for enrollees. It mandates coverage for all FDA-approved contraceptives (including therapeutic equivalents), up to a 12-month supply at once, and includes sterilization procedures, counseling, and follow-up care. The law applies to plans renewed or delivered on or after January 1, 2027, and does not affect coverage for contraceptives prescribed for non-contraceptive medical reasons (e.g., treating ovarian cancer). This bill directly affects health insurance plans and their enrollees, excluding dependent children from the definition of "covered person."