Health insurance, safe harbor created

HB 283 creates a "safe harbor" to protect health savings account (HSA) qualified plans in Alabama from state regulations that might conflict with federal rules. It ensures that if a state cost-sharing requirement (like copays or deductibles) would disqualify a plan as a high-deductible health plan under federal law, that requirement only applies *after* the federal minimum deductible is met. This directly affects Alabama residents enrolled in HSA-qualified health insurance plans, preserving their eligibility for tax-advantaged health savings accounts. The bill updates state insurance code references to incorporate this coordination mechanism, preventing state laws from unintentionally disrupting federal HSA program compliance.