H.B. No. 3594 amends existing legislation concerning retirement health care plans for firefighters and police officers in specific municipalities. The bill introduces a clearer definition of "beneficiary," which now includes retirees and their eligible dependents entitled to health benefits. It also adds new definitions for "default rate" and "months of service," enhancing the understanding of actuarial return rates and service calculations. Additionally, the bill ensures that health benefits paid by the fund are exempt from legal processes and taxes, and it protects fund assets from attachment and forced sale.

The governance structure of the fund is also modified to operate independently of municipal control, with a board of trustees comprising representatives from the municipality, firefighters, and police officers. The bill allows for retiree contributions through monthly payments or a one-time lump-sum option and addresses the treatment of service members on active duty or taking unpaid leave, ensuring they can establish credit for their service by making contributions. It also includes provisions for married members of the fund, allowing conditional waivers of health benefits eligibility and reinstatement after marriage dissolution. The bill is set to take effect on October 1, 2025.