An act relating to coverage for fertility treatment and gender-affirming health care services

This bill (H 55) requires all health insurance plans in Vermont - including Medicaid - to cover gender-affirming health care services that are medically necessary and clinically appropriate, such as facial procedures and hair removal, without extra cost-sharing. It also mandates coverage for fertility-related services, including diagnostic care, IVF procedures, fertility preservation (like egg freezing), and related medications, while prohibiting financial barriers or restrictions based on donor use. The bill prohibits insurers from denying coverage for these services based on factors like donor sperm or eggs, though it excludes experimental procedures and nonmedical costs (e.g., donor fees). Insurers must report compliance annually to state health committees, and the Agency of Human Services must seek federal approval for Medicaid coverage changes. The bill directly affects all Vermont health insurers, Medicaid, and individuals seeking these specific health services.