Opening Plans to Individuals and Offering New Services for Mental Health Act of 2023

This bill (HR 5752) modifies health insurance rules to improve access to mental health care. It prevents health insurance plans from being classified as "high deductible" if they waive deductibles for the first $500 of mental health benefits (like therapy or counseling) each year. This change directly affects health insurance plans and their members, ensuring those plans can still qualify as high deductible plans while offering more accessible initial mental health coverage. The provision applies to plan years starting after December 31, 2023.