Movement Advancement Project | Healthcare Laws and Policies

Insurance nondiscrimination laws and policies protect LGBTQ people from being unfairly denied health insurance coverage or from being unfairly excluded from coverage for certain health care procedures on the basis of sexual orientation or gender identity. "Bans on transgender exclusions in health insurance" are policies that bar health insurers from explicitly refusing to cover transgender-related health care benefits.

Transgender exclusions in health insurance service coverage prohibited (24 states + D.C.)
Law prohibits health insurance discrimination based on sexual orientation and gender identity (15 states , 1 territory + D.C.)
Law prohibits health insurance discrimination based only on gender identity only (8 states)
Law prohibits health insurance discrimination based only on sexual orientation only (0 states)
No law providing LGBTQ inclusive insurance protections (25 states, 4 territories)
Law explicitly permits insurers to refuse to cover gender-affirming care (2 states)

Citations & More Information

*In Mississippi, state law explicitly allows private insurers to refuse to cover gender-affirming care for minors, as part of its statewide ban on best practice medical care for transgender youth. Arkansas law allows this refusal of coverage for gender-affirming care for everyone, regardless of age. For more information about this and every state, click "Citations & More Information" beneath the map legend.

Recommended citation:
Movement Advancement Project. "Equality Maps: Healthcare Laws and Policies." https://www.lgbtmap.org/equality-maps/healthcare_laws_and_policies. Accessed 06/24/2025.

Percent of Adult LGBTQ Population Covered by Laws

*Note: These percentages reflect estimates of the LGBTQ adult population living in the 50 states and the District of Columbia. Estimates of the LGBTQ adult population in the five inhabited U.S. territories are not available, and so cannot be reflected here.

40%

40 % of LGBTQ population lives in states with insurance protections that include sexual orientation and gender identity

15%

15 % of LGBTQ population lives in states with insurance protections that include only gender identity

0 % of LGBTQ population lives in states with insurance protections that include only sexual orientation

44%

44 % of LGBTQ population lives in states that do not have LGBT-inclusive insurance protections

55%

55 % of LGBTQ population lives in states that prohibit transgender exclusions in health insurance service coverage

2 % of LGBTQ population lives in states that permit insurers to refuse to cover gender-affirming care

Key

State has law that only covers sexual orientationLaw covers sexual orientation
State has law that covers sexual orientation and gender identityLaw covers sexual orientation and gender identity/expression
State has law that covers gender identityLaw covers gender identity

Bans insurance exclusions of transgender health care
State does not have this law Bans best practice medical care for transgender youth
State has this law Policy includes transgender health care
State does not have this law Policy excludes transgender health care

State	Private Insurance Nondiscrimination	Transgender Inclusive Health Benefits for State Employees
	Citations	Citations
Alabama
Alaska
American Samoa
Arizona
Arkansas		State does not have this law
California	State has law that covers sexual orientation and gender identity	State has this law
Colorado	State has law that covers sexual orientation and gender identity
Connecticut	State has law that covers gender identity	State has this law
Delaware	State has law that covers sexual orientation and gender identity	State has this law
District of Columbia	State has law that covers sexual orientation and gender identity	State has this law
Florida		State does not have this law
Georgia		State has this law
Guam
Hawaii	State has law that covers gender identity	State has this law
Idaho		State does not have this law
Illinois	State has law that covers sexual orientation and gender identity	State has this law
Indiana		State has this law
Iowa
Kansas		State has this law
Kentucky		State has this law
Louisiana		State does not have this law
Maine	State has law that covers sexual orientation and gender identity	State has this law
Maryland	State has law that covers sexual orientation and gender identity	State has this law
Massachusetts	State has law that covers gender identity	State has this law
Michigan	State has law that covers sexual orientation and gender identity
Minnesota	State has law that covers sexual orientation and gender identity	State has this law
Mississippi		State does not have this law
Missouri
Montana		State has this law
Nebraska		State does not have this law
Nevada	State has law that covers sexual orientation and gender identity	State has this law
New Hampshire	State has law that covers sexual orientation and gender identity	State has this law
New Jersey	State has law that covers gender identity	State has this law
New Mexico	State has law that covers gender identity
New York	State has law that covers sexual orientation and gender identity	State has this law
North Carolina		State has this law
North Dakota		State does not have this law
Northern Mariana Islands
Ohio		State does not have this law
Oklahoma		State does not have this law
Oregon	State has law that covers sexual orientation and gender identity	State has this law
Pennsylvania	State has law that covers gender identity	State has this law
Puerto Rico	State has law that covers sexual orientation and gender identity
Rhode Island	State has law that covers gender identity	State has this law
South Carolina		State does not have this law
South Dakota		State does not have this law
Tennessee		State does not have this law
Texas		State does not have this law
U.S. Virgin Islands
Utah		State does not have this law
Vermont	State has law that covers sexual orientation and gender identity
Virginia	State has law that covers gender identity
Washington	State has law that covers sexual orientation and gender identity	State has this law
West Virginia
Wisconsin	State has law that covers sexual orientation and gender identity	State has this law
Wyoming

Data current as of 06/24/2025

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