On April 24, 2025, the Nevada State Legislature introduced Assembly Bill 522, a significant piece of legislation aimed at enhancing health insurance protections for individuals, particularly those involved in gestational surrogacy and those facing discrimination based on gender identity. This bill seeks to address critical gaps in health coverage and ensure equitable treatment for all residents.

One of the bill's key provisions prohibits health insurers from denying or limiting maternity care coverage for individuals acting as gestational carriers. This change is particularly important for intended parents and surrogates, as it clarifies that the child born through surrogacy is legally recognized as the child of the intended parents for insurance purposes. This provision aims to alleviate the financial burdens often faced by surrogates and ensure they receive necessary medical care without discrimination.

Additionally, AB522 strengthens protections against discrimination in health insurance based on actual or perceived gender identity. The bill explicitly prohibits insurers from denying, limiting, or imposing higher premiums on individuals based on their gender identity or expression. This includes coverage for health care services related to gender transition, ensuring that all individuals have access to necessary medical care without fear of discrimination.

The introduction of AB522 has sparked notable discussions among lawmakers and advocacy groups. Supporters argue that the bill is a crucial step toward ensuring comprehensive health care access for marginalized communities, while opponents express concerns about potential implications for insurance costs and the broader health care system. As the bill moves through the legislative process, amendments may be proposed to address these concerns, reflecting the ongoing debate about balancing equitable access with economic considerations.

The implications of AB522 extend beyond individual health care access; they touch on broader social and political issues surrounding reproductive rights and gender equality. Experts suggest that the passage of this bill could set a precedent for similar legislation in other states, potentially influencing national conversations about health care equity.

As the Nevada Legislature continues to deliberate on Assembly Bill 522, the outcome will be closely watched by advocates and residents alike. The bill represents a significant effort to address pressing health care issues and promote inclusivity within the state's health insurance framework, ultimately aiming to enhance the well-being of all Nevadans.