HF 2185 (LSB 5454HV (1) 91)

HOUSE FILE 2185

BY  COMMITTEE ON COMMERCE

(SUCCESSOR TO HSB 518)

A BILL FOR

An Act relating to cost sharing for health savings accounts and qualified high-deductible health plans.
BE IT ENACTED BY THE GENERAL ASSEMBLY OF THE STATE OF IOWA:

    Section 1.  NEW SECTION.  509.3B  Health savings accounts and qualified high-deductible health plans —— cost sharing.
   If a copayment, coinsurance, or deductible paid as cost sharing by an enrollee under this chapter may result in the enrollee becoming ineligible for a health savings account associated with the enrollee’s qualified high-deductible health plan under section 223 of the Internal Revenue Code, the cost sharing shall apply only to the enrollee’s qualified high-deductible health plan after the enrollee satisfies the enrollee’s minimum deductible, except for items or services determined to be preventive care under section 223(c)(2)(C) of the Internal Revenue Code.
    Sec. 2.  NEW SECTION.  514A.3C  Health savings accounts and qualified high-deductible health plans —— cost sharing.
   If a copayment, coinsurance, or deductible paid as cost sharing by an enrollee under this chapter may result in the enrollee becoming ineligible for a health savings account associated with the enrollee’s qualified high-deductible health plan under section 223 of the Internal Revenue Code, the cost sharing shall apply only to the enrollee’s qualified high-deductible health plan after the enrollee satisfies the enrollee’s minimum deductible, except for items or services determined to be preventive care under section 223(c)(2)(C) of the Internal Revenue Code.
EXPLANATION
The inclusion of this explanation does not constitute agreement with
the explanation’s substance by the members of the general assembly.
   This bill relates to cost sharing for health savings accounts (HSA) and qualified high-deductible health plans (HDHP). Under the bill, for group insurance and for accident and health insurance, if a copayment, coinsurance, or deductible paid as cost sharing by an enrollee may result in the enrollee becoming ineligible for an HSA associated with the enrollee’s qualified HDHP, the cost sharing shall apply only to the enrollee’s qualified HDHP after the enrollee satisfies the enrollee’s minimum deductible, except for items or services determined to be preventive care.