Bills › 91st General Assembly
Relating to cost sharing for health savings accounts and qualified high-deductible health plans
Sponsored by the Senate Commerce (companion To Hf 2185 By Committee on Commerce) Committee
Proposed by the Department of Insurance and Financial Services · all agency proposals
Topics:Health careInsurance
Where it is now
- Done: IntroducedJanuary 21, 2026
- Done: SubcommitteeJanuary 21, 2026
- Done: Senate committeeFebruary 19, 2026
- Done: Passes the SenateApril 15, 202647–0
- Skipped: House committeeSkipped
- Done: Passes the HouseApril 1, 202692–0
- Done: To the GovernorMay 6, 2026
- Done: Signed into lawMay 15, 2026
HF 2185 became law → The same legislation passed as HF 2185, so this version was set aside. Go to HF 2185 What’s a funnel?
What’s in it
AI summary People with high-deductible health plans and health savings accounts would see a change in how they pay for medical costs. Once a person meets their minimum deductible, their insurance company cannot charge extra copayments or coinsurance that would make them lose their eligibility for their savings account. This rule does not apply to preventive care services.1
Read the official explanation
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.
Senate subcommittee
Named January 21, 2026 (as SSB 3055). On January 28, 2026 it recommended passage.
Three legislators hear a bill first and recommend what the committee should do; it’s the best time to weigh in. How to take part
Iowa Code it changes
Lobbying
5 for · 0 against · 18 undecided · Who →
Family tree
Study bill
91st General Assembly