HF 2185: Relating to cost sharing for health savings accounts and qualified high-deductible health plans

What it does

This bill relates to cost sharing for health savings accounts (HSA) and qualified high-deductible health plans (HDHP). Under the bill, for group insurance and for accident and health insurance, if a copayment, coinsurance, or deductible paid as cost sharing by an enrollee may result in the enrollee becoming ineligible for an HSA associated with the enrollee’s qualified HDHP, the cost sharing shall apply only to the enrollee’s qualified HDHP after the enrollee satisfies the enrollee’s minimum deductible, except for items or services determined to be preventive care.

House subcommittee · named January 13, 2026

• Rep. Shannon Lundgren (R) · shannon.lundgren@legis.iowa.gov
• Rep. David L. Blom (R) · david.blom@legis.iowa.gov
• Rep. Dr. Megan L. Srinivas (D) · megan.srinivas@legis.iowa.gov

Lobbying · 5 for, 0 against

For: Iowa Bankers Association; Iowa Bankers Insurance & Services, Inc.; Iowa Insurance Division; Iowa Total Care, A Subsidiary of Centene Corporation; Wellmark, Inc.

In plain words

1. January 13, 2026Filed in the House and sent to the Commerce committee · as HSB 518
2. January 13, 2026House subcommittee named: Lundgren, Blom and Srinivas · as HSB 518
3. January 15, 2026Subcommittee recommended passing it · as HSB 518
4. January 21, 2026Approved by the House committee · as HSB 518
5. January 21, 2026Committee vote: 22–0 · as HSB 518
6. January 28, 2026Filed in the House
7. January 28, 2026Approved by the House committee, and given a new number: HF 2185 · as HSB 518
8. April 1, 2026Passed the House, 92–0
9. April 2, 2026Arrived in the Senate
10. April 15, 2026Took the place of SF 2452 on the Senate floor (the same legislation)
11. April 15, 2026Passed the Senate, 47–0
12. May 6, 2026Sent to the Governor
13. May 15, 2026Signed into law