KY HB32

Health benefit plans must cover at least two medically necessary epinephrine devices (e.g., EpiPens) per covered person annually, with out-of-pocket costs capped at $100 per year

High Deductible Health Plans paired with Health Savings Accounts are exempt from the $100 cost-sharing cap until the minimum deductible is satisfied to maintain federal tax qualification

Coverage requirements apply to private health insurance, Medicaid, KCHIP (Kentucky Children's Health Insurance Program), state employee health plans, and self-insured plans offered by state postsecondary institutions

Department of Insurance must determine within 90 days whether the requirement exceeds federal essential health benefits, and if so, must apply for a federal waiver within 180 days to avoid state cost defrayal obligations

Provisions take effect January 1, 2027 for health benefit plans issued or renewed on or after that date