IA HF2185

Cost sharing (copayments, coinsurance, or deductibles) that could disqualify an enrollee from their health savings account (HSA) must only apply after the enrollee meets their minimum deductible under the qualified high-deductible health plan (HDHP).

Preventive care services as defined under Internal Revenue Code section 223(c)(2)(C) are exempt from this cost-sharing requirement.

The bill creates new sections in Iowa Code chapters 509 (group insurance) and 514A (accident and health insurance) to establish these protections.

The legislation aims to preserve enrollee eligibility for HSAs associated with qualified HDHPs by aligning state insurance requirements with federal tax code standards.