Insurers prohibition from requiring co-payments for children's mental health services

This bill prohibits health insurers from requiring co-payments for mental health services for children under 18. It directly affects children under 18 receiving mental health care and health insurers offering plans in Minnesota. The key provision bans co-payments for these services, with a specific exception for high-deductible health plans with health savings accounts (HSAs), which must charge the minimum co-payment needed to maintain tax-exempt status under federal law. The law takes effect January 1, 2026, applying to health plans offered, issued, or renewed on or after that date.