House File 2185 introduces new provisions regarding health savings accounts (HSAs) and qualified high-deductible health plans (QHDHPs) in Iowa. The bill establishes that if an enrollee's copayment, coinsurance, or deductible could lead to ineligibility for an HSA linked to their QHDHP, the cost-sharing will only apply after the enrollee meets their minimum deductible. This applies to all items or services, except those classified as preventive care under the Internal Revenue Code.

The bill includes two new sections, 509.3B and 514A.3C, which outline these provisions for health savings accounts and cost-sharing requirements. By clarifying the relationship between cost-sharing and HSA eligibility, the legislation aims to protect enrollees from inadvertently losing their HSA benefits due to their out-of-pocket expenses.