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 care. 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 ensure enrollees can still claim tax-exempt contributions.

Additionally, the bill reenacts and amends existing law, specifically RCW 41.05.017, to include the new section regarding labor and delivery services. It also grants the office of the insurance commissioner the authority to adopt necessary rules for implementing the act. The inclusion of this new section aims to enhance access to maternity services while ensuring compliance with existing regulations.