The Affordability is Access Act of 2023 requires health insurance plans to cover over-the-counter contraceptives without cost-sharing, meaning patients would pay nothing out of pocket for these products. The bill applies to all group health plans and both group and individual health insurance coverage, affecting millions of Americans who use birth control. The legislation clarifies that contraceptive coverage requirements under the Affordable Care Act extend to over-the-counter birth control products approved by the FDA, even without a prescription. The bill also prohibits retailers from interfering with customers' access to or purchase of FDA-approved over-the-counter contraceptives, though retailers may refuse sales to customers unable to pay. The bill does not establish a specific funding amount or timeline but directs federal agencies to clarify existing coverage requirements to implement the new protections.
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