Health Savings Accounts, Cost Sharing (5454XD) - Insurance and Financial Services, Department of

This Iowa bill (5454XD) modifies cost-sharing rules for health savings accounts (HSAs) linked to qualified high-deductible health plans (HDHPs). It ensures that copayments, coinsurance, or deductibles paid by plan enrollees do not disqualify them from HSA eligibility under federal law. Specifically, cost-sharing only applies after an enrollee meets their plan’s minimum deductible, except for preventive care services. The bill directly affects individuals enrolled in HDHPs who use HSAs to cover medical costs.