AN ACT relating to health care; requiring health insurers to allow the covered adult child of an insured to remain covered by the health insurance of the insured until 26 years of age; requiring health insurers to provide coverage for certain preventive health care for children, persons who are pregnant, women and adults; prohibiting insurers from imposing certain costs and taking other actions with respect to certain preventive health care; requiring health insurers to provide coverage for screenings for colorectal cancer; requiring health insurers to provide coverage for maternity and newborn care; prohibiting health insurers and providers of health care from engaging in certain discriminatory actions; and providing other matters properly relating thereto.
Sponsored By: Assembly Committee on Health and Human Services
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Bill Overview
Analyzed Economic Effects
24 provisions identified: 23 benefits, 1 costs, 0 mixed.
Families gain maternity and newborn protections
Individual health benefit plans and society contracts delivered, issued, or renewed from October 1, 2025 must cover maternity and newborn care. Individual, group, and society coverage generally cannot limit childbirth hospital benefits below 48 hours after vaginal birth or 96 hours after cesarean birth. Specified professional guidelines can allow different stays, and the attending physician can decide on earlier discharge. The law does not require hospital delivery or a fixed stay. Plans cannot evade these protections or offer inducements for less coverage; protected later portions cannot receive worse benefits or higher cost-sharing than earlier portions.
Medicaid covers more adult preventive care
Beginning October 1, 2025, Nevada Medicaid's preventive package includes heart-risk counseling, tuberculosis screening for people at increased risk, and adult drug and alcohol screening. Alcohol-reduction counseling is covered after a screening shows risky or hazardous drinking. Statins are covered at ages 40–75 for people without prior heart disease who have at least one cardiovascular risk factor and a calculated 10-year risk of at least 10%. Coverage includes fall-prevention exercise for qualifying recipients age 65 or older in medical or dependent-care facilities. Men ages 65–75 who have ever smoked get one abdominal aortic aneurysm ultrasound. Lung cancer screening covers ages 50–80 under American Cancer Society or U.S. Preventive Services Task Force guidelines in effect January 1, 2025. Colorectal screening covers ages 45–85, and intensive behavioral treatment covers adults with a body mass index of at least 30. The state pays the nonfederal share where federal participation is available, and the Director must seek needed federal approvals. Medicaid cannot impose higher deductibles, copays, coinsurance, longer waits, or other added conditions for these services.
Medicaid protects childbirth and newborn care
Beginning October 1, 2025, Nevada Medicaid must cover maternity and newborn pediatric care to the extent federal financial participation is available. Medicaid generally cannot limit childbirth hospital stays to less than 48 hours after vaginal delivery or 96 hours after cesarean delivery. The specified professional guidelines can set different stay lengths. The minimums do not apply when the attending doctor decides to discharge the patient earlier.
Parent plans cover children until 26
Nevada insurers offering dependent-child coverage must keep it available until the child turns 26. The law does not require coverage for that adult child's dependents. Beginning October 1, 2025, this requirement also applies to Nevada managed care organizations offering dependent-child coverage.
Young adults keep parents’ health coverage
Nevada plans that cover dependent children must keep coverage available to an insured parent’s adult child until their 26th birthday. This applies to group insurance, health benefit plans, hospital or medical services corporation policies, and health maintenance organization plans. The law does not require coverage for that adult child’s own dependents.
Adults gain screening and prevention coverage
These requirements apply to health benefit plans and society contracts delivered, issued for delivery, or renewed from October 1, 2025. Plans must cover cardiovascular-risk counseling, tuberculosis screening, and the listed adult prevention services. Preventive statins cover ages 40–75 without past cardiovascular disease, with at least one risk factor and 10-year risk of at least 10%. Lung cancer screening covers ages 50–80 under the specified guidelines in effect January 1, 2025. Prediabetes and type 2 diabetes screening covers ages 35–70 with a body mass index of at least 25. Adults 18 or older with a body mass index of at least 30 receive intensive behavioral interventions. Men ages 65–75 who have ever smoked receive one abdominal aortic aneurysm ultrasound. People 65 or older living in medical or dependent-care facilities receive fall-prevention exercise interventions. Adults 18 or older receive drug and alcohol misuse screening, with counseling when risky or hazardous drinking is found. Services must be available in-network, with protections against higher cost-sharing and longer waits; legally permitted medical management remains allowed.
Children gain more covered preventive care
Covered insurer policies, health benefit plans, society contracts, and corporation policies delivered, issued, or renewed from October 1, 2025 must include child preventive services. These include anxiety screening at ages 8–18 and growth and medical-history assessments for children under 18. Intensive behavioral treatment covers ages 12–18 with body mass index at or above the 95th percentile for age and sex. Fluoride varnish covers children under 5; supplements cover ages 6 months to under 5 when drinking water lacks enough fluoride. Coverage includes at least one amblyopia, or lazy-eye, screening at ages 3–5 and tobacco-prevention counseling under age 18. Sun-exposure counseling covers insureds under 25 and parents or guardians of children under 18. Services must be available in network without the specified higher cost-sharing, longer waits, coverage denials, discouraging incentives, or provider penalties. Medical management remains allowed within state and federal limits.
Children gain preventive care coverage
These requirements apply to group policies delivered, issued for delivery, or renewed on or after October 1, 2025. Plans must cover anxiety screening at ages 8–18 and growth and medical-history checks for children under 18. Ages 12–18 receive intensive behavioral interventions when body mass index reaches the 95th percentile for their age and sex. Children under 5 receive fluoride varnish. Children from 6 months to under 5 receive oral fluoride supplements when their water supply lacks enough fluoride. Coverage includes at least one amblyopia, or lazy-eye, screening at ages 3–5. Plans also cover sun-exposure counseling for people under 24 and tobacco-prevention counseling for children under 18. Services must be available in-network, with protections against higher cost-sharing and longer waits; legally permitted medical management remains allowed.
Families gain breastfeeding and preventive benefits
Group policies, society contracts, and hospital or medical service contracts delivered, issued, or renewed from October 1, 2025 must cover listed preventive care. Group and society benefits include breastfeeding counseling, support, and supplies for up to one year, including medically necessary breast pumps. Depression screening starts at age 12, annual well-woman visits at age 14, and tobacco-cessation programs with FDA-approved medicines at age 18. Listed benefits also include annual domestic-violence screening and counseling for women, anxiety and HIV screening, hormone replacement therapy, and recommended vaccines. Coverage includes recommended prenatal and cervical-cancer screenings, plus pregnancy blood-pressure and diabetes screening after 24 weeks or as ordered. Sexually active insureds at increased infection risk receive specified counseling and screening. Services must be available through network providers without the specified higher cost-sharing, longer waits, or discouraging practices; lawful medical management remains allowed.
Gestational carriers keep maternity coverage protections
Nevada insurers, societies, and hospital or medical service contracts cannot deny or limit maternity care because someone is a gestational carrier. They also cannot demand repayment for that care based on carrier status. For health insurance policies and hospital or medical service contracts, the child is treated as the intended parent's child.
Health plans cover colorectal cancer screening
Policies, health benefit plans, and society contracts delivered, issued for delivery, or renewed from October 1, 2025 must cover colorectal screening. Screening must follow American Cancer Society guidelines or qualifying national professional guidelines or reports backed by current scientific data. Health insurance policies must cover screening even when they do not cover colorectal cancer treatment. Services must be available through network providers, without the specified higher cost-sharing, longer waits, access restrictions, or efforts to discourage use.
Health plans expand sexual health coverage
Insurer policies, health benefit plans, corporation policies, and HMOs delivered, issued, or renewed from October 1, 2025 must cover sexually transmitted disease services. Testing, treatment, and prevention are covered at any age. Listed infections include chlamydia, gonorrhea, syphilis, HIV, and hepatitis B and C. Condoms are covered from age 13, with unrestricted coverage expressly required for insurer, health benefit, and corporation plans. Plans cannot impose the specified higher cost-sharing or access barriers, and applicable carriers cannot discourage use.
Intended parents gain child coverage recognition
When an insured person serves as a gestational carrier, the child is treated as the intended parent’s child for benefit-contract purposes. This establishes the child’s relationship to the intended parent under the contract. It does not create a separate payment or an independent coverage guarantee.
Medicaid expands sexual and women's care
Beginning October 1, 2025, Nevada Medicaid covers sexually transmitted disease testing, treatment, and prevention, including care for chlamydia. Condoms are covered for recipients of any age. Medicaid cannot add higher deductibles, copays, coinsurance, longer waits, or other conditions for these benefits. Well-woman visits include those recommended by the Health Resources and Services Administration on January 1, 2025, plus later recommendations. The Medicaid expansion requires needed federal approvals and federal participation; the state pays the nonfederal share for specified services.
More pregnancy and women’s preventive coverage
These requirements apply to covered group policies, health benefit plans, and society contracts issued, delivered, or renewed from October 1, 2025. Plans must cover listed pregnancy, postpartum, newborn, and women’s preventive services. Coverage includes daily folic acid of 0.4–0.8 milligrams for people who are pregnant or planning pregnancy. People at high risk of preeclampsia receive low-dose aspirin starting after 12 weeks of pregnancy. People with past gestational diabetes receive postpartum type 2 diabetes screening at recommended intervals. Women ages 40–60 with a body mass index above 18.5 receive healthy-weight counseling. Osteoporosis screening covers women 65 or older and younger women who meet the stated fracture-risk standard. Benefits must be available in-network, with legal limits on medical management and added cost or access barriers.
More preventive and reproductive care coverage
These requirements apply to Nevada health insurance policies delivered, issued for delivery, or renewed on or after October 1, 2025. Plans must cover listed prenatal screenings, blood pressure and diabetes checks, cervical cancer screening, anxiety and HIV screening, and recommended vaccines. Coverage includes depression screening from age 12 and tobacco cessation programs from age 18. Women receive annual domestic and interpersonal violence screening and counseling, plus at least one yearly well-woman visit from age 14. Breastfeeding counseling, support, and supplies are covered for up to 1 year. Sexually active people at increased risk receive specified sexually transmitted disease counseling. Services must be available in-network; ordinary copays and deductibles can remain, but plans cannot impose higher costs or longer waits for these services. Medical management remains allowed within legal limits.
More preventive care coverage for adults
Nevada insurers must cover listed adult preventive services for policies delivered, issued for delivery, or renewed starting October 1, 2025. Covered care includes heart-risk counseling, blood pressure screening, and latent tuberculosis screening for people at increased risk. Preventive statins are covered for adults ages 40–75 with no heart disease history, at least one heart-risk factor, and a calculated 10-year cardiovascular disease risk of at least 10%. Fall-prevention exercise is covered for adults 65 or older who live in medical or dependent-care facilities. Men ages 65–75 who have ever smoked get coverage for one ultrasound to check for an abdominal aortic aneurysm. Coverage includes specified cancer screenings. Lung cancer screening covers ages 50–80 under American Cancer Society or U.S. Preventive Services Task Force guidelines in effect January 1, 2025. Diabetes and prediabetes screening covers ages 35–70 with a body mass index (BMI) of at least 25. Adults with a BMI of at least 30 get intensive behavioral support. Adults 18 or older get drug and alcohol misuse screening, plus counseling when alcohol use is risky or hazardous. Required care must be available in-network without higher cost-sharing or longer waits for these services. Normal deductibles, copays, and coinsurance can still apply, and plans can use medical-management tools within legal limits.
Patients gain stronger health discrimination protections
Nevada insurers, group plans, HMOs, societies, and hospital or medical services corporations cannot make discriminatory enrollment, coverage, premium, or payment decisions. Protected traits include actual or perceived race, color, national origin, age, disability, sexual orientation, gender identity or expression, and sex. Sex protections include sex characteristics, intersex traits, pregnancy, and related conditions; health-insurer protections also cover specified family-member traits. The law bars discriminatory limits on otherwise covered gender-affirming care and services usually provided to people of a particular sex. Beginning October 1, 2025, Medicaid and health care providers also face the listed discrimination bans. Provider violations are unprofessional conduct subject to licensing-board discipline, but providers need not violate medical standards and may apply uniform, nondiscriminatory policies.
Pregnant patients gain easier infection testing
From October 1, 2025, newly delivered, issued, or renewed insurer, society, corporation, and HMO coverage must include listed pregnancy infection tests. Tests cover chlamydia, gonorrhea, hepatitis B and C, syphilis, and HIV. Covered providers, facilities, and labs can be outside the network, and prior approval is not required. HMO examinations must follow the applicable Nevada prenatal-testing laws. Plans cannot impose the specified higher cost-sharing or access barriers; insurers also cannot discourage testing or penalize providers for delivering it.
Women gain inherited cancer risk testing
Health benefit plans and HMOs delivered, issued for delivery, or renewed from October 1, 2025 must cover required BRCA services. These include screening, genetic counseling, and testing for harmful inherited gene changes. Coverage applies to women eligible under Nevada's BRCA coverage law, NRS 457.301. Services must be available through network providers without the specified higher cost-sharing, longer waits, or access barriers.
Women gain pregnancy and preventive coverage
Insurer and hospital or medical services corporation policies delivered, issued, or renewed from October 1, 2025 must cover listed pregnancy and women's preventive care. Folic acid coverage is 0.4–0.8 milligrams daily for people pregnant or planning pregnancy. Low-dose aspirin starts after 12 weeks of pregnancy for people at high risk of preeclampsia. Benefits include newborn eye medicine to prevent gonorrhea-related infection, listed pregnancy screenings, healthy-weight-gain counseling, depression-risk counseling, and tobacco-cessation counseling. Postpartum type 2 diabetes screening covers people with prior gestational diabetes, following specified federal recommendations dated January 1, 2025. Healthy-weight counseling covers women ages 40–60 with body mass index above 18.5. Osteoporosis screening covers women 65 or older and younger women meeting the law's fracture-risk threshold. Services must be available in network without the specified higher cost-sharing or access barriers; lawful medical management remains allowed.
Nevada strengthens health insurance oversight
Nevada’s insurance commissioner can require specified Nevada standards for policies Nevada-based insurers issue to residents of another state. This authority applies when the other state’s insurance officer says the policy is outside that officer’s approval or disapproval authority. Beginning October 1, 2025, the commissioner can suspend or revoke a health maintenance organization’s authority for listed violations, including noncompliant coverage or charges. Suspension must follow the required state process. A suspended organization cannot add groups or new individual contracts, except under the stated exception for contracts made before suspension.
Local governments receive health-cost rule exemption
Beginning October 1, 2025, NRS 354.599 does not apply to local governments’ added expenses related to this law. The exemption changes how those expenses are treated under that statute. It specifies no appropriation, dollar amount, or direct household payment.
Inherited cancer coverage date moves later
The rule treating required BRCA screening, genetic counseling, and testing as included in a policy now uses October 1, 2025. That replaces the January 1, 2022 applicability date for policies delivered, issued for delivery, or renewed. The underlying services remain tied to Nevada's BRCA coverage requirements in NRS 457.301.
Sponsors & Cosponsors
Sponsor
Assembly Committee on Health and Human Services
Affiliation unavailable
Cosponsors
There are no cosponsors for this bill.
Roll Call Votes
No roll call votes available for this bill.
Actions Timeline
(No further action taken.)
6/3/2025HouseTo committee.
4/24/2025HouseFrom printer. To engrossment. Engrossed. First reprint.
4/24/2025HouseTo printer.
4/21/2025HouseRereferred to Committee on Ways and Means. Exemption effective.
4/21/2025HouseTaken from General File.
4/21/2025HouseRead second time. Amended. (Amend. No. 456.)
4/21/2025HousePlaced on Second Reading File.
4/21/2025HouseFrom committee: Amend, and do pass as amended.
4/21/2025HouseNotice of eligibility for exemption.
4/21/2025HouseFrom printer. To committee.
3/26/2025HouseRead first time. Referred to Committee on Health and Human Services. To printer.
3/24/2025House
Bill Text
As Introduced
Reprint 1
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