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IA HSB518
SB
Status
1/13/2026
Primary Sponsor
Commerce
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AI Summary
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Copayments, coinsurance, or deductibles that could disqualify an enrollee from their health savings account (HSA) under a qualified high-deductible health plan (HDHP) shall apply only after the enrollee meets their minimum deductible
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Preventive care items and services as defined under Internal Revenue Code section 223(c)(2)(C) are exempt from this cost-sharing restriction
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Creates new section 509.3B applying these requirements to group health insurance policies
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Creates new section 514A.3C applying identical requirements to accident and health insurance policies
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Proposed by the Iowa Department of Insurance and Financial Services to protect HSA eligibility for enrollees with qualified HDHPs
Legislative Description
A bill for an act relating to cost sharing for health savings accounts and qualified high-deductible health plans.(See HF 2185.)
Last Action
Committee report approving bill, renumbered as HF 2185.
1/28/2026