An Act relative to consumer deductibles

HD 1877 requires Massachusetts health insurance companies to count all payments toward deductibles, copays, and coinsurance (including payments made by others on behalf of the insured) toward the insured's annual out-of-pocket maximum. It also mandates that insurers include all covered health services within essential health benefits when calculating this annual limit. The bill applies to health plans entered into, amended, extended, or renewed on or after January 1, 2026. The Massachusetts Insurance Commission may create rules to implement these changes.