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

This bill clarifies cost-sharing rules for health savings accounts (HSAs) linked to high-deductible health plans (HDHPs). It ensures that copays, coinsurance, or deductibles paid by enrollees do not make them ineligible for an HSA - unless the cost-sharing applies to preventive care. Specifically, cost-sharing must wait until after the enrollee meets their minimum deductible, except for preventive services. This directly affects Iowans enrolled in HDHPs who use HSAs, preventing accidental loss of HSA eligibility due to routine cost-sharing.