Nevada amends health insurance policies to include comprehensive STD coverage

Assembly Bill 522, introduced in the Nevada State Legislature on April 24, 2025, aims to enhance health insurance coverage related to sexually transmitted diseases (STDs) and access to preventive measures. The bill mandates that group health insurance policies must include comprehensive coverage for testing, treatment, and prevention of STDs, such as Chlamydia, gonorrhea, syphilis, HIV, and hepatitis B and C, for all insured individuals, regardless of age. Additionally, it stipulates that individuals aged 13 and older must have unrestricted access to condoms.

Key provisions of the bill prohibit insurers from imposing higher deductibles, copayments, or waiting periods for these benefits. It also prevents insurers from denying coverage based solely on an individual's use of these benefits or from incentivizing healthcare providers to limit access to them. The bill is set to take effect for policies issued or renewed on or after October 1, 2025.

The introduction of Assembly Bill 522 has sparked discussions among lawmakers and health advocates. Proponents argue that the bill addresses significant public health concerns by ensuring equitable access to STD prevention and treatment, which is crucial for reducing transmission rates and promoting overall community health. Critics, however, express concerns about the potential financial implications for insurers and the healthcare system, fearing that mandated coverage could lead to increased premiums.

The bill's passage could have substantial social implications, particularly in improving health outcomes for younger populations and marginalized communities who may face barriers to accessing sexual health services. Experts suggest that by removing financial obstacles, the bill could lead to earlier detection and treatment of STDs, ultimately reducing long-term healthcare costs associated with untreated infections.

As Assembly Bill 522 moves through the legislative process, its potential impact on public health policy and insurance practices in Nevada remains a focal point of debate, with advocates urging swift approval to enhance health equity across the state.