Relates to high deductible health plans and health savings accounts

This bill ensures that cost-sharing requirements (like copays) for specific high-deductible health plans paired with health savings accounts (HSAs) do not make enrollees ineligible for HSAs. It requires that out-of-pocket costs only apply after a person meets the plan's deductible, except for preventive care services (e.g., vaccinations, screenings), which remain fully covered regardless of deductible status. The law directly affects individuals enrolled in HSA-qualified health plans and their insurers, clarifying when cost-sharing rules apply. It amends New York's insurance law to align with federal HSA eligibility rules under Section 223 of the Internal Revenue Code.