This bill aims to enhance access to mental health services for children by prohibiting health plan companies from requiring co-payments for mental health services provided to individuals under the age of 18. Specifically, it introduces a new section in Minnesota Statutes, chapter 62Q, designated as [62Q.474], which outlines that health plan companies cannot impose co-payments for these services. However, it does allow for a co-payment requirement in the case of high-deductible health plans that are paired with health savings accounts, but only to the extent necessary to maintain the tax-exempt status of contributions and withdrawals as per federal regulations.

The bill is set to take effect on January 1, 2026, and will apply to all health plans that are offered, issued, or renewed on or after that date. This legislative change is intended to reduce financial barriers for families seeking mental health care for their children, thereby promoting better mental health outcomes in the youth population.