HF 318 (LSB 2394HV (2) 91)

HOUSE FILE 318

BY  COMMITTEE ON COMMERCE

(SUCCESSOR TO HSB 100)

(As Amended and Passed by the House 2025-02-20)

A BILL FOR

An Act relating to cost-sharing requirements for supplemental and diagnostic breast examinations.
BE IT ENACTED BY THE GENERAL ASSEMBLY OF THE STATE OF IOWA:

    Section 1.  Section 514C.4A, subsection 1, Code 2025, is amended by adding the following new paragraph:
   NEW PARAGRAPH.  0c.  “Cost-sharing” means any coverage limit, copayment, coinsurance, deductible, or other out-of-pocket cost obligation imposed by a policy, contract, or plan providing for third-party payment or prepayment of health or medical expenses on a covered person.
    Sec. 2.  Section 514C.4A, subsection 2, Code 2025, is amended by adding the following new paragraph:
   NEW PARAGRAPH.  c.  (1)  Cost-sharing requirements imposed for coverage required under this section shall not be less favorable than cost-sharing requirements imposed by a health carrier for screening mammograms.
   (2)  If a covered person’s policy, contract, or plan providing for third-party payment or prepayment of health or medical expenses qualifies as a high-deductible health plan under section 223 of the Internal Revenue Code, subparagraph (1) shall apply only after the covered person satisfies the covered person’s minimum deductible, except for items or services determined to be preventive care under section 223(2)(2)(C) of the Internal Revenue Code.
    Sec. 3.  APPLICABILITY.  This Act applies to third-party payment provider contracts, policies, or plans delivered, issued for delivery, continued, or renewed in this state on or after January 1, 2026.