INSURANCE – Adds to existing law to establish cost-sharing requirements for health benefit plans.

Idaho's H 219 establishes new rules for health insurance cost-sharing, directly affecting health insurers and policyholders. It requires insurers to count all payments toward cost-sharing (like deductibles or copays) whether paid by the enrollee or another party. The law exempts prescription drugs when a medically appropriate generic equivalent is available and prescribed. It takes effect July 1, 2025, with full application for new plans starting January 1, 2026.