This bill introduces new provisions regarding cost sharing for health savings accounts (HSA) and qualified high-deductible health plans (HDHP) in Iowa. It stipulates that if an enrollee's copayment, coinsurance, or deductible could lead to their ineligibility for an HSA linked to their HDHP, such cost sharing will only be applicable after the enrollee has met their minimum deductible. This rule applies to both group insurance and accident and health insurance, with the exception of items or services classified as preventive care under the Internal Revenue Code.

The bill includes two new sections, 509.3B and 514A.3C, which outline these cost-sharing provisions. The intent is to ensure that enrollees do not inadvertently lose their eligibility for HSAs due to cost-sharing requirements associated with their HDHPs. The language emphasizes the importance of maintaining access to HSAs while still allowing for necessary cost-sharing mechanisms in health insurance plans.