KY HB184

Creates a safe harbor for Health Savings Account (HSA)-qualified insurance plans from state cost-sharing mandates that would disqualify them as high deductible health plans under 26 U.S.C. sec. 223

State cost-sharing requirements (limits on deductibles, copayments, coinsurance, or other out-of-pocket expenses) will only apply to HSA-qualified plans after the enrollee meets the federal minimum deductible threshold

Applies to both individual and group health insurance policies, including covered dependents

Takes precedence over any conflicting state laws and applies to policies issued or renewed on or after the effective date

Extends these protections to state employee health plans under KRS Chapter 18A