Bill SD.3315

SENATE DOCKET, NO. 3315 FILED ON: 10/22/2025

SENATE . . . . . . . . . . . . . . No.

By Mr. Fattman, a petition (accompanied by bill) (subject to Joint Rule 12) of Ryan C. Fattman for legislation relative to insurance coverage. Financial Services.

The Commonwealth of Massachusetts

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In the One Hundred and Ninety-Fourth General Court
(2025-2026)

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An Act relative to insurance coverage.

Be it enacted by the Senate and House of Representatives in General Court assembled, and by the authority of the same, as follows:

SECTION 1. Chapter 32A of the General Laws, as appearing in the 2024 Official Edition, is hereby amended by inserting after section 17S a new section:-

Section 17T. (a) For the purpose of this section, “detransition-related treatment” shall mean any form of medical, psychological, or psychiatric treatment, including but not limited to mental-health treatment, medical interventions, and surgeries, that stops, reverses, or helps an individual cope with the effects of prior gender-affirming health care services, defined pursuant to Section 1 of Chapter 9A.

(b) Any coverage offered by the commission to an active or retired employee of the commonwealth insured under the group insurance commission that covers gender-affirming health care services, defined pursuant to Section 1 of Chapter 9A, shall provide coverage for detransition-related treatment. The benefits in this section shall not be subject to any greater deductible, coinsurance, copayments or out-of-pocket limits than any other benefit provided by the commission.

SECTION 2: Chapter 118E of the General Laws, as appearing in the 2024 Official Edition, is hereby amended by inserting after section 10Q a new section:-

Section 10R. (a) For the purpose of this section, “detransition-related treatment” shall mean any form of medical, psychological, or psychiatric treatment, including but not limited to mental-health treatment, medical interventions, and surgeries, that stops, reverses, or helps an individual cope with the effects of prior gender-affirming health care services, defined pursuant to Section 1 of Chapter 9A.

(b) The division and its contracted health insurers, health plans, health maintenance organizations, behavioral health management firms and third-party administrators under contract to a Medicaid managed care organization or primary care clinician plan shall provide coverage under all benefit plans that cover gender-affirming health care services, defined pursuant to Section 1 of Chapter 9A, for detransition-related treatments.

SECTION 3. Chapter 175 of the General Laws, as appearing in the 2024 Official Edition, is hereby amended by inserting after section 47UU a new section:-

Section 47VV. (a) For the purpose of this section, “detransition-related treatment” shall mean any form of medical, psychological, or psychiatric treatment, including but not limited to mental-health treatment, medical interventions, and surgeries, that stops, reverses, or helps an individual cope with the effects of prior gender-affirming health care services, defined pursuant to Section 1 of Chapter 9A.

(b) Any policy, contract, agreement, plan or certificate of insurance issued, delivered or renewed within the commonwealth, which is considered creditable coverage under section 1 of chapter 111M, and which covers gender-affirming health care services, defined pursuant to Section 1 of Chapter 9A, shall provide coverage for detransition-related treatment.

SECTION 4. Chapter 176A of the General Laws, as appearing in the 2024 Official Edition, is hereby amended by inserting a new section:-

Section 39. (a) For the purpose of this section, “detransition-related treatment” shall mean any form of medical, psychological, or psychiatric treatment, including but not limited to mental-health treatment, medical interventions, and surgeries, that stops, reverses, or helps an individual cope with the effects of prior gender-affirming health care services, defined pursuant to Section 1 of Chapter 9A.

(b) Any contract between a subscriber and the corporation under an individual or group hospital service plan that is delivered, issued or renewed within the commonwealth and that covers gender-affirming health care services, defined pursuant to Section 1 of Chapter 9A, shall provide coverage for detransition-related treatments.

SECTION 5. Chapter 176B of the General Laws, as appearing in the 2024 Official Edition, is hereby amended by inserting a new section:-

Section 26. (a) For the purpose of this section, “detransition-related treatment” shall mean any form of medical, psychological, or psychiatric treatment, including but not limited to mental-health treatment, medical interventions, and surgeries, that stops, reverses, or helps an individual cope with the effects of prior gender-affirming health care services, defined pursuant to Section 1 of Chapter 9A.

(b) Any subscription certificate under an individual or group medical service agreement delivered, issued or renewed within the commonwealth that covers gender-affirming health care services, defined pursuant to Section 1 of Chapter 9A, shall provide coverage for detransition-related treatments.

SECTION 6. Chapter 176G of the General Laws, as appearing in the 2024 Official Edition, is hereby amended by inserting a new section:-

Section 34. (a) For the purpose of this section, “detransition-related treatment” shall mean any form of medical, psychological, or psychiatric treatment, including but not limited to mental-health treatment, medical interventions, and surgeries, that stops, reverses, or helps an individual cope with the effects of prior gender-affirming health care services, defined pursuant to Section 1 of Chapter 9A.

(b) An individual or group health maintenance contract that is issued or renewed and that covers gender-affirming health care services, defined pursuant to Section 1 of Chapter 9A, shall provide coverage for detransition-related treatments.

Name:	District/Address:
Ryan C. Fattman	Worcester and Hampden