HI SB642

Requires all health insurance policies, accident and health insurance, and hospital/medical service plans issued or renewed after December 31, 2025, to offer optional coverage for standard fertility preservation services for individuals undergoing medically necessary cancer-related treatments that may cause infertility.

Prohibits insurers from using prior diagnoses, prior fertility treatments, or discriminating based on expected length of life, disability, medical dependency, perceived quality of life, or other health conditions when providing optional fertility preservation coverage.

Defines standard fertility preservation services according to the 2018 American Society of Clinical Oncology guidelines, excluding experimental procedures, third-party assisted reproduction technology (donor eggs, surrogates, gestational carriers), and cryopreservation storage services.

Requires any coverage limitations to be based on the individual's medical history and clinical guidelines that must align with the full scope of the 2018 American Society of Clinical Oncology guidelines without deviation.

Applies the same fertility preservation service requirements to health maintenance organizations under Chapter 432D, with all provisions taking effect December 31, 2025, except the act itself takes effect December 31, 2050.