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HB 5482

AN ACT CONCERNING TWELVE-MONTH COVERAGE FOR CONTRACEPTION AND HORMONE THERAPY.

2026 Regular Session Introduced by Aimee Berger-Girvalo and 4 co-sponsors

Connecticut bill requires insurers to provide uninterrupted twelve-month coverage for contraception and hormone therapy to eliminate treatment gaps between policy renewal periods.

SENATE CALENDAR NUMBER 529
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Bill Summary · HB 5482

Legislative bill overview

HB 5482 would require insurance plans in Connecticut to provide twelve-month coverage periods for contraception and hormone therapy, rather than annual renewal cycles. This means individuals would have extended access to these medications and treatments without interruption due to coverage year rollovers, reducing gaps in treatment continuity.

Why is this important

Continuous access to contraception and hormone therapy is medically significant because interruptions can reduce effectiveness and create health risks—unintended pregnancies, hormone level fluctuations, or delayed treatment of conditions like gender dysphoria. The policy also reduces administrative burden on patients who must navigate reauthorizations and potential coverage gaps during sensitive medical situations.

Potential points of contention

  • Insurance costs and coverage expansion: Insurers may argue that extended coverage periods without renewal requirements increase administrative complexity or premium costs, though proponents counter this addresses an access problem
  • Religious and moral objections: Some stakeholders have philosophical concerns about mandatory coverage of contraception and hormone therapies, particularly regarding certain contraceptive methods or gender-affirming care
  • Definition and scope ambiguity: The bill's definition of "hormone therapy" may spark debate—whether it includes gender-affirming hormone therapy, menopausal hormone replacement, thyroid treatment, or only specific categories, which could affect coverage mandates and costs

Compiled from official sources — confirm details with the bill’s official record.

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