Your Health Insurance May Not Be As Good As Your State Requires—and It's Perfectly Legal



Birth control pills photographed in Philadelphia, Pennsylvania, July 11, 2022, photo by Hannah Beier/Reuters

Photo by Hannah Beier/Reuters

by Shira H. Fischer

June 9, 2023

In 2017, the Massachusetts state Legislature passed a law to ensure ease of access to birth control. It says there should be no copay for hormonal birth control prescriptions. It also allows women to fill a 12-month prescription at once. Infertility care has similar protections. The state mandates that plans cover “medically necessary expenses of diagnosis and treatment of infertility” if the insurance provides other pregnancy-related benefits. This includes comprehensive coverage of even costly treatments such as in vitro fertilization.…

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Shira Fischer is a physician policy researcher at the nonprofit, nonpartisan RAND Corporation. Her research focuses on health information technology research and policy.

This commentary originally appeared on STAT on June 8, 2023. Commentary gives RAND researchers a platform to convey insights based on their professional expertise and often on their peer-reviewed research and analysis.