A bill for an act relating to cost sharing for health savings accounts and qualified high-deductible health plans.

This Iowa bill (HSB 518) affects individuals enrolled in qualified high-deductible health plans (HDHPs) who also use health savings accounts (HSAs). It changes cost-sharing rules so that copays, coinsurance, or deductibles only count toward your plan’s deductible *after* you’ve met your minimum deductible - unless the service is preventive care. This prevents routine cost-sharing from accidentally making you ineligible for an HSA under federal tax rules. The provision applies to both group and individual health insurance plans in Iowa.