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HB 2820

contraception; cost sharing prohibition

57th Legislature - First Regular Session Introduced by Stephanie Stahl Hamilton

Arizona bill eliminates insurance copayments and deductibles for all contraceptive methods and related services, expanding reproductive healthcare access while raising costs for insurers.

House Second Reading
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WeVote Research Nonpartisan
Bill Summary · HB 2820

Legislative bill overview

HB 2820 prohibits health insurers in Arizona from imposing cost-sharing requirements (copayments, coinsurance, deductibles) on contraceptive methods and related services. The bill expands existing protections by ensuring comprehensive contraceptive access without out-of-pocket expenses for enrollees.

Why is this important

Contraceptive cost barriers directly impact reproductive healthcare access and family planning decisions, particularly for lower-income individuals. Removing these financial barriers aligns with federal preventive care standards while potentially affecting insurance premium structures and healthcare costs statewide.

Potential points of contention

  • Insurance industry impact: Insurers may argue that expanded zero-cost-sharing mandates increase claims costs, potentially raising premiums for all enrollees or reducing profit margins
  • Scope definition: Disagreement may arise over which contraceptive methods and services qualify (e.g., all FDA-approved options vs. specific categories, counseling services, removal procedures)
  • Religious/employer exemptions: Questions about whether religiously-affiliated employers or self-insured plans receive exemptions, similar to federal contraceptive mandate exceptions
  • State vs. federal authority: Potential conflict with existing federal contraceptive coverage requirements and how state mandates interact with them

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

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