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Kentucky House passes bill aligning state limits with HSA rules for insurance plans
Summary
The House passed House Bill 184, which delays application of state cost‑sharing limits that could disqualify Health Savings Account‑qualified insurance plans until those plans meet the Internal Revenue Code's minimum deductible threshold, 95‑0.
House Bill 184 passed the Kentucky House of Representatives on a near‑unanimous voice/roll call after an explanation from the Gentleman from Edmondson. The measure directs that any state cost‑sharing requirement or limitation that would otherwise disqualify an insurance plan from being treated as Health Savings Account (HSA)‑qualified under federal tax rules does not apply until the plan meets the Internal Revenue Service's minimum deductible threshold; the state limitations would take effect only after that IRS minimum deductible is reached.
The Gentleman from Edmondson, who presented the bill as based on a National Conference of Insurance Legislators (NCOIL) model provision, described it as intended to align state law with federal HSA technical requirements and to prevent unintended disqualification of plans. “This is an NCOIL model act,” he said while explaining the bill and moved its passage.
There was no floor debate recorded following the explanation. The clerk called the roll; the House recorded 95 ayes, 0 nays, and announced that House Bill 184 was passed. After passage the Gentleman from Edmondson moved to reconsider and have the motion to reconsider laid upon the table; that motion to table was ordered.
The bill’s text, committee references, or subsequent steps (such as conference with the Senate or enrollment) were not detailed during the floor explanation. Implementation details and any fiscal notes were not provided on the floor record and are therefore not specified.
