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Bill

SB 361

Health insurance; coverage for contraceptive drugs & devices, including over-the-counter.

2026 Regular Session Introduced by Jennifer Carroll Foy and 2 co-sponsors

Virginia health insurers must cover all FDA-approved contraceptives without patient cost-sharing, potentially increasing premiums while removing financial barriers to birth control access.

Governor's recommendation received by Senate
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Bill Summary · SB 361

Legislative bill overview

SB 361 requires health insurance plans in Virginia to cover contraceptive drugs and devices without cost-sharing (no copays, coinsurance, or deductibles). The bill mandates coverage for all FDA-approved contraceptive methods and devices as determined by the U.S. Preventive Services Task Force.

Why is this important

This addresses healthcare access and reproductive autonomy by removing financial barriers to contraception. The fiscal impact and coverage scope directly affect insurance premiums, employer costs, and whether Virginians can access birth control without out-of-pocket expenses—a significant consideration for individuals managing healthcare budgets.

Potential points of contention

  • Religious exemptions: The bill may conflict with religious employer objections to contraception coverage, raising First Amendment and conscience protection concerns that have been central to contraceptive coverage disputes nationally
  • Premium and cost implications: Eliminating cost-sharing for contraception increases insurer expenses, which could be passed to employers and consumers through higher premiums, affecting overall healthcare affordability
  • Scope of coverage: Determining which contraceptive methods qualify and whether newer or experimental methods are included could create disputes between insurers, providers, and patients about what "coverage" actually means in practice

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

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