The bill introduces new provisions regarding cost sharing for maternity services, specifically focusing on labor and delivery services. Effective January 1, 2026, health plans that cover these services will not require enrollees to meet their deductible before accessing labor and delivery services. Any cost sharing incurred by the enrollee for these services will count towards their deductible. However, for health plans that qualify for health savings accounts, the deductible for labor and delivery services must be set at a minimum level to allow enrollees to maintain eligibility for tax-exempt contributions.

Additionally, the bill reenacts and amends existing law, specifically RCW 41.05.017, to ensure that health plans providing medical insurance are subject to various provisions, including the new section added by this act. The Office of the Insurance Commissioner is also granted the authority to adopt necessary rules for the implementation of this act. This legislative change aims to enhance access to maternity services by reducing financial barriers for enrollees.