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Committee considers removing deductibles for labor-and-delivery services starting 2026
Summary
House Bill 1291 would require health plans issued or renewed on or after Jan. 1, 2026, to cover labor-and-delivery services without applying the enrollee deductible, while any enrollee cost-sharing payments must count toward the deductible; health plans that are high-deductible must preserve HSA eligibility.
The House Health Care & Wellness Committee heard testimony on House Bill 1291, a measure that would require health plans issued or renewed on or after Jan. 1, 2026, to cover labor-and-delivery services before an enrollee meets the plan deductible. Any cost-sharing payments an enrollee makes for those services would still be applied to the enrollee’s deductible, and high-deductible health plans must set the deductible at the minimum level necessary to preserve Health Savings Account tax treatment.
Kim Weidner, committee staff, summarized the bill and its legislative background, noting a 2023 OIC-directed actuarial analysis by Milliman that produced five options to eliminate cost sharing for maternity care. Widespread testimony framed the bill as…
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