Creates provisions relating to insurance coverage of preventive health care services

HB 3450 requires health insurance plans sold in the state to cover specific preventive health services without cost-sharing (like copays or deductibles) starting January 1, 2026. It mandates coverage for services rated A or B by the U.S. Preventive Services Task Force, CDC-recommended vaccinations, and other preventive care outlined in federal guidelines from the Health Resources and Services Administration. This applies directly to health insurers and plans operating in the state, though it allows cost-sharing for out-of-network providers and makes exceptions for high-deductible health plans under federal rules. The law ties coverage requirements to current federal guidelines, with updates to be adopted by the state insurance director based on new federal recommendations.