Requires health benefits coverage for family planning and reproductive health care services, including early infancy care, without cost sharing.

This bill requires most health insurance plans in New Jersey, including Medicaid and state employee plans, to cover specific family planning and reproductive health services without deductibles, copays, or coinsurance. It explicitly includes abortion (both aspiration and medication methods), emergency services for mothers/newborns, family planning counseling, genetic testing, pre/postpartum hospital care, and well-baby care. Childbirth itself is excluded from the required coverage. Religious employers may opt out under existing law, and exemptions for federal funding concerns are permitted but limited to the minimum necessary.