Health Insurance - Preventive Services - High Deductible Health Plans and Enforcement Authority

HB 974 requires Maryland health insurers to cover specific preventive services - like evidence-based screenings rated A/B by the U.S. Preventive Services Task Force, recommended immunizations, and women’s preventive care - without requiring copays, deductibles, or coinsurance for policyholders. It directly affects health insurers and their customers by mandating coverage for these services under state law. The bill shifts enforcement authority to the Maryland Insurance Commissioner, who must ensure compliance with federal rules and guidance in effect as of December 31, 2024. The law takes effect on June 1, 2025, aligning state coverage requirements with federal standards for preventive care.