Bill Summary: HB 5245 - Copayment-Only Health Plans

• Defines "copayment-only health plan" as a health plan imposing specific dollar amounts for health care services or prescription drugs, excluding deductibles and coinsurance.

• Exempts copayment-only health plans and high deductible health plans from existing copayment limitations that previously applied to individual and group health insurance policies.

• Maintains a $30 maximum copayment per visit for in-network physical therapy and occupational therapy services, but exempts copayment-only health plans from this requirement.

• Applies to individual health insurance policies under section 38a-511a and group health insurance policies under section 38a-550a for specified coverage types.

• Effective January 1, 2025.