Medicare to cover contraception at zero cost starting 2027
S. 3560 — Closing the Contraception Coverage Gap Act · Filed by Maggie Hassan (D-NH) · 3 cosponsors · Introduced Dec 18, 2025 · Referred to committee
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What it does
This bill requires Medicare to cover all contraceptive items, services, and drugs at no cost to beneficiaries starting January 1, 2027. It eliminates deductibles and cost-sharing for contraception under Medicare Parts B, C, and D, and directs HHS and GAO to study gaps in contraceptive coverage across Medicare, Medicaid, commercial insurance, and TRICARE.
Why we flagged it
The bill's core mechanism is a straightforward mandate to add contraceptive items and services to Medicare's covered benefits with zero cost-sharing, effective 2027. It is a public-health coverage expansion, not a tax provision, deregulation, or private carve-out.
What the text implies
- The definition of 'contraceptive items and services' includes items 'regardless of whether such items and services are actually furnished for purposes of contraception' — this broad language may cover non-contraceptive uses of hormonal or other drugs, expanding the scope beyond stated intent.
- Dual-eligible individuals (Medicare + Medicaid) must receive coverage 'at least as comprehensive' as their state Medicaid plan, creating a floor that may force states to expand Medicaid contraceptive coverage to match Medicare's zero-cost standard.
The full analysis lists 4 implications of this text.
Who stands to gain
pharmaceutical manufacturers (contraceptive drugs); medical device makers (IUDs, implants); healthcare providers (increased volume of contraceptive services)