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HF 2185 Iowa House · 2025-2026 Regular Session

A bill for an act relating to cost sharing for health savings accounts and qualified high-deductible health plans.

HF 2185 ensures that people enrolled in qualified high-deductible health plans (HDHPs) with health savings accounts (HSAs) can maintain their HSA eligibility. It requires that copays, coinsurance, or deductibles paid by the enrollee only count toward their deductible *after* they’ve met their minimum deductible, unless the service is preventive care. This prevents cost-sharing payments from accidentally making someone ineligible for an HSA. The bill applies to group health insurance and accident/health insurance plans in Iowa.
Issues: ✓ HealthcareSupports HealthcarePreserves HSA eligibility for HDHP enrollees, preventing accidental loss of tax-advantaged healthcare savings access.95% confidence
Bill status signed all 5 stages cleared
Introduction
Jan 2026
Committee Review
House Passage
Apr 2026
Senate Passage
Apr 2026
Signed into Law
May 2026
Introduced Jan 28, 2026 Signed May 15, 2026
Maddy AI version diff · 3 comparisons

What changed between versions

Enrolled → Enrolled with Governor's Action · 1 edit · May 15, 2026
MINOR
The bill text was reformatted from a line-by-line display to a standard paragraph layout, while the substantive policy content, section numbers, and legal requirements remained unchanged. No new rules, funding amounts, or eligibility criteria were added or removed.
TECHNICAL

The document structure was converted from a vertical list of words to standard paragraph text for readability, but the actual legislative content and meaning are identical.

Floor votes · Senate Apr 15, 2026

How they voted

46–0
Passed · 3 other
Total votes 49
Apr 15, 2026
D Democratic15
14 Yea 1
93% Yea
R Republican34
32 Yea 2
94% Yea
Vote distribution
All Yea All Nay Mixed No data
Full legislative history

Actions timeline

Total actions
12
Key actions
3
Committee
0
May 15, 2026
Signed into law
Signed by Governor.
lower
Apr 15, 2026
Upper · Passed
Passed Senate, yeas 47, nays 0.
upper
Apr 1, 2026
Lower · Passed
Passed House, yeas 92, nays 0.
lower
Jan 28, 2026
Introduced
Introduced, placed on calendar.
lower
0 primary · 0 co-sponsors

Sponsors

No sponsor information available.