An Act relative to consumer deductibles

This bill amends Massachusetts health insurance laws to clarify how out-of-pocket costs are calculated for consumers. It requires insurers to count any payments made by the patient or on their behalf, such as those from family members or employers, toward the individual's deductible and other cost-sharing obligations. The change ensures that these payments are applied immediately and fully to reduce what the enrollee owes, rather than being treated separately. The new rules will take effect for health plans entered into, amended, extended, or renewed on or after January 1, 2024.