Health insurers prohibited from requiring co-payments for children's mental health services.

HF 32 prohibits Minnesota health insurance companies from requiring co-payments for mental health services provided to children under 18. This applies to all standard health plans and includes a specific provision for high-deductible plans, which must limit co-payments to the minimum level needed to maintain tax-advantaged health savings account benefits. The law directly affects children receiving mental health care and their insurers, eliminating out-of-pocket costs for these services. It takes effect January 1, 2026, applying to health plans offered, issued, or renewed on or after that date.