Assembly Bill 522, introduced in the Nevada State Legislature on April 24, 2025, aims to enhance health insurance coverage related to maternity care and sexually transmitted disease (STD) prevention. This legislation seeks to address significant gaps in health insurance policies that have historically limited access to essential reproductive health services.

One of the bill's key provisions prohibits insurers from denying or limiting maternity care coverage for individuals acting as gestational carriers. This change is significant as it recognizes the rights of gestational carriers and ensures that they receive necessary health care without facing discrimination based on their role. Additionally, the bill stipulates that children born through gestational carriers will be considered children of the intended parents for insurance purposes, further solidifying legal protections for families utilizing these services.

Another critical aspect of AB522 mandates comprehensive coverage for testing, treatment, and prevention of STDs for all insured individuals, regardless of age. This includes unrestricted access to condoms for those aged 13 and older. The bill explicitly prohibits insurers from imposing higher deductibles, copayments, or waiting periods for these benefits, ensuring that financial barriers do not hinder access to vital health services.

The introduction of AB522 has sparked notable discussions among lawmakers and health advocates. Supporters argue that the bill is a necessary step toward improving public health outcomes and ensuring equitable access to reproductive health services. Critics, however, express concerns about the potential financial implications for insurers and the broader health care system, fearing that increased coverage mandates could lead to higher premiums for all policyholders.

The economic implications of this bill could be significant. By expanding coverage for maternity care and STD prevention, Nevada may see improved health outcomes, potentially reducing long-term healthcare costs associated with untreated conditions. Socially, the bill reflects a growing recognition of diverse family structures and the importance of inclusive health care policies.

As AB522 moves through the legislative process, its potential impact on Nevada's health care landscape remains a focal point of debate. If passed, the bill could set a precedent for similar legislation in other states, influencing national conversations about health insurance coverage and reproductive rights. Stakeholders are closely monitoring the bill's progress, anticipating further discussions and possible amendments as it approaches a vote.