Nevada amends health insurance laws for pregnancy coverage and organizational compliance

Senate Bill 217, introduced in the Nevada State Legislature on April 18, 2025, aims to enhance health care access and protections for pregnant individuals and improve regulatory measures for health maintenance organizations (HMOs) and managed care organizations.

The bill's primary focus is to ensure that individuals who become pregnant can enroll in health coverage specifically for pregnancy and childbirth without incurring additional fees or penalties. This enrollment must be allowed within 60 days of a confirmed pregnancy by a qualified healthcare provider. Coverage is set to take effect either on the first day of the month in which the pregnancy is confirmed or on the first day of the following month, depending on the individual's choice.

Additionally, Senate Bill 217 proposes stricter regulations for HMOs, including provisions for the suspension and revocation of their certificates of authority. If an HMO's certificate is suspended, it cannot enroll new members during the suspension period. In cases of revocation, the organization must wind up its affairs and cease operations, except for activities necessary to ensure that current enrollees maintain their health coverage.

The bill has sparked discussions among lawmakers and stakeholders regarding its implications for health care accessibility and the operational integrity of health organizations. Supporters argue that it addresses critical gaps in health coverage for pregnant individuals, potentially leading to better maternal health outcomes. However, some opponents express concerns about the financial impact on health organizations and the potential for increased costs associated with expanded coverage mandates.

The economic implications of Senate Bill 217 could be significant, as it may lead to increased enrollment in health plans and potentially higher premiums. Socially, the bill aims to reduce barriers to health care for pregnant individuals, which could improve health equity in Nevada.

As the legislative process continues, the bill's future remains uncertain, with potential amendments and debates expected as it moves through the assembly. If passed, Senate Bill 217 could represent a substantial shift in health care policy in Nevada, particularly for vulnerable populations.