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Senate passes bill clarifying cost-sharing rules for health savings accounts

Iowa Senate · April 15, 2026
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Summary

House File 2185 was substituted for a Senate file and passed; the bill clarifies when cost-sharing (copays, coinsurance, deductibles) can make an enrollee ineligible for HSA tax advantages and specifies application to group insurance and accidental health programs.

Senator Driscoll asked unanimous consent to substitute House File 2185 for Senate File 2452 and described the bill as clarifying applicability of cost-sharing when an enrollee has a health savings account (HSA) or qualified high-deductible health plan. "This bill would add identical provisions to code chapter 509 for group insurance... The new language would provide copayment, coinsurance, or deductible paid by an enrollee... could cause the enrollee to become ineligible for the tax advantage health savings account associated with the high deductible health plan," he said in opening remarks.

Seeing no further discussion, Senator Driscoll moved the bill for final passage; the Senate recorded unanimous support (47–0). The bill will be sent to the House for final enrollment and transmittal to the governor per established process.