HEALTH CARE – Adds to existing law to establish provisions regarding certain out-of-pocket payments for health care services.

This Idaho bill requires health insurance companies to allow patients to pay discounted cash prices for covered medical services directly to providers. When patients pay these negotiated lower prices out of pocket, the amounts count toward their insurance deductibles and annual out-of-pocket limits, provided they submit proof to their insurer. The law applies to most health plans but excludes specific types like Medicaid, Medicare supplements, dental, vision, and short-term insurance. It also ensures providers accept the cash payment as full payment and cannot bill patients or insurers for additional amounts.