HI HB2539

Authorizes insurers, mutual benefit societies, and health maintenance organizations to offer high deductible health plans in conjunction with health savings accounts to employers subject to Hawaii's prepaid health care act, effective January 1, 2017.

Requires that when a high deductible health plan is offered with a health savings account, a traditional prepaid health care plan must also be offered to each eligible insured or member.

Prohibits insurers, mutual benefit societies, and HMOs from offering stand-alone high deductible health plans or stand-alone health savings accounts to employers; employers cannot use this option to avoid providing a prepaid health care plan.

Defines "health savings account" and "high deductible health plan" by reference to section 223 of the Internal Revenue Code of 1986 and "prepaid health care plan" by reference to Hawaii Revised Statutes section 393-3.

Makes high deductible health plan provisions inapplicable if they conflict with federal law; if federal law prevails, the invalid provisions do not affect other parts of the act.