IA SF2452

Requires that copayments, coinsurance, or deductibles apply only after an enrollee satisfies their minimum deductible on a qualified high-deductible health plan (HDHP) when such cost sharing could otherwise make them ineligible for their associated health savings account (HSA).

Exempts preventive care items and services from this cost-sharing restriction, as defined under Internal Revenue Code section 223(c)(2)(C).

Applies to both group insurance and individual accident and health insurance policies in Iowa.

Creates two new sections of Iowa Code (509.3B and 514A.3C) to protect HSA eligibility for enrollees in qualified HDHPs.