Bill
H 1115
Bill Summary: H 1115 - An Act requiring full health insurance coverage for individuals with vitiligo SummaryThis bill, known as the "Vitiligo Insurance Coverage Act", would require
This bill, known as the "Vitiligo Insurance Coverage Act", would require all health insurance plans in the state to provide full coverage for the treatment and management of vitiligo, a chronic skin condition that causes loss of pigmentation.
Mandatory Coverage: The bill mandates that all private and public health insurance plans, including Medicaid, cover the full cost of medically necessary treatments for vitiligo, such as topical creams, phototherapy, and depigmentation therapy.
No Cost-Sharing: Patients would not be required to pay any deductibles, copays, or coinsurance for vitiligo treatments covered under their insurance plan.
Broad Definition of Medical Necessity: The bill defines "medically necessary" treatments broadly to include not only clinical treatments, but also counseling and support services to address the mental health and psychosocial impacts of living with vitiligo.
Prohibition on Exclusions: Insurance plans would be prohibited from excluding or limiting coverage for vitiligo on the basis that it is a pre-existing condition or cosmetic in nature.
Increased Access to Care: By mandating full insurance coverage, this bill aims to improve access to vitiligo treatment and alleviate the financial burden on patients, many of whom currently struggle to afford the high out-of-pocket costs.
Improved Health Outcomes: Expanded coverage is expected to lead to more individuals with vitiligo receiving consistent, comprehensive care, which may help manage symptoms, prevent progression, and improve quality of life.
Potential Cost Savings: The bill's sponsors argue that providing proactive, preventive care for vitiligo could result in long-term cost savings by reducing the need for more intensive, expensive treatments down the line.
The bill was introduced in the state legislature on February 27, 2025 and has been assigned to the Joint Committee on Financial Services for a public hearing on October 8, 2025.
If passed by the legislature, the bill would take effect on January 1, 2026, requiring all insurance plans to provide the mandated vitiligo coverage starting on that date.
Compiled from official sources — confirm details with the bill’s official record.
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