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, then such cost sharing will only be applicable after the enrollee has met their minimum deductible. This applies to both group insurance and accident and health insurance, with the exception of preventive care services as defined under the Internal Revenue Code.

The bill includes two new sections, 509.3B and 514A.3C, which outline these cost-sharing rules. 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 provisions aim to clarify the relationship between cost sharing and HSA eligibility, thereby promoting better financial management for individuals enrolled in these health plans.