Bill > HF318

This bill modifies Iowa's health insurance regulations to clarify and protect cost-sharing requirements for supplemental and diagnostic breast examinations. It first defines "cost-sharing" as any coverage limit, copayment, coinsurance, deductible, or out-of-pocket expense imposed by a health insurance policy. The bill then stipulates that cost-sharing requirements for supplemental and diagnostic breast examinations cannot be less favorable than those for screening mammograms, ensuring that patients will not face higher financial barriers to these important medical services. For individuals with high-deductible health plans (as defined by the Internal Revenue Code), these cost-sharing protections will apply after the person satisfies their minimum deductible, with an exception for services considered preventive care. The bill will apply to health insurance contracts, policies, and plans delivered, issued, continued, or renewed in Iowa on or after January 1, 2026, giving insurance providers time to adjust their policies to comply with the new requirements.

Business and Industry

Commerce (House)

https://www.legis.iowa.gov/legislation/BillBook?ga=91&ba=HF318