An Act assuring prompt access to health care

HD 538 requires health insurers in Massachusetts to cover routine outpatient medical visits (like check-ups and consultations) without deductibles as part of basic health insurance plans. This applies to all standard insurance plans offered by insurers or third parties, with an exception for tax-exempt plans that would lose federal tax status if deductibles were banned. The law mandates that coverage must follow guidelines developed by the state’s Division of Insurance. It directly affects health insurance companies and policyholders by eliminating out-of-pocket costs for these specific services. The bill does not change existing deductible requirements for other types of medical care.