VA HB813

Clarifies that cost-sharing prohibitions (copayments, coinsurance, deductibles) for health care services apply only when enrollees use participating in-network providers under their health plan

Requires health insurance carriers to count amounts paid by enrollees or on their behalf toward out-of-pocket maximums and cost-sharing requirements

Preserves Health Savings Account (HSA) eligibility by exempting high-deductible health plans from cost-sharing prohibitions until enrollees meet the minimum deductible required under federal tax law (26 U.S.C. § 223)

Maintains that preventive care services remain exempt from cost-sharing requirements regardless of whether the HSA-qualifying deductible has been met

Updates prostate cancer screening coverage requirements to reference the standardized cost-sharing definition, maintaining the prohibition on cost-sharing for covered screenings