Relating to: coverage of maternity and newborn care under health insurance policies and plans and granting rule-making authority.

SB 401 requires employer-sponsored disability insurance policies and self-insured health plans to cover maternity and newborn care as an essential health benefit, directly affecting employees and their families. The bill mandates coverage with minimal or no out-of-pocket costs, prohibits discrimination in coverage decisions based on disability or life expectancy, and directs the Insurance Commissioner to set specific benefit standards through rules. The Commissioner must base these standards on typical employer coverage surveys and update them periodically to address gaps in access. This applies to most employer health plans but excludes certain disability policies described in existing law.