VA HB1182

Requires health insurance plans to cover all FDA-approved contraceptive drugs and devices, including over-the-counter contraceptives, without requiring a prescription for coverage

Eliminates copayments, coinsurance, and fees for contraceptive coverage, though insurers may impose cost-sharing on therapeutically equivalent versions if at least one version remains available without cost-sharing

Mandates coverage without cost-sharing for any contraceptive specifically recommended by a health care provider based on medical need, including considerations of side effects, reversibility, or ability to adhere to proper use

Requires health plans to provide up to a 12-month supply of hormonal contraceptives at one time and point-of-sale coverage at in-network pharmacies for over-the-counter options

Applies to individual and group health insurance policies delivered, issued, or renewed in Virginia on or after January 1, 2027