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

This bill clarifies cost-sharing rules for people enrolled in qualified high-deductible health plans (HDHPs) who also use health savings accounts (HSAs). It ensures that copayments, coinsurance, or deductibles paid by plan members won't make them ineligible for an HSA - unless the service is preventive care. Specifically, cost-sharing amounts only count toward the deductible after the member meets their minimum deductible, with preventive care exceptions applying immediately. The bill directly affects individuals using HDHPs and HSAs in Iowa, aligning state rules with federal HSA eligibility requirements under the Internal Revenue Code.