An Act relative to consumer deductibles

This bill (H 4333) requires health insurers to calculate enrollees' out-of-pocket costs more transparently. Specifically, it mandates that all cost-sharing payments (like deductibles and copays) made by or on behalf of an enrollee must be fully applied toward their total annual out-of-pocket obligation at the time services are provided. It also clarifies that insurers must include all covered health care services within essential health benefits categories when calculating annual cost-sharing limits. The law applies to health plans entered into, amended, extended, or renewed on or after January 1, 2026, directly affecting insurers and enrollees in Massachusetts health plans.