Bill > A05367

This bill modifies existing insurance law to address cost-sharing requirements for high deductible health plans (HDHPs) that are offered in conjunction with health savings accounts (HSAs) or health reimbursement accounts. Specifically, the bill ensures that cost-sharing requirements for these plans align with federal tax rules governing HSAs. Under the new provisions, if applying standard cost-sharing requirements would make an individual ineligible for an HSA under the Internal Revenue Code, those requirements will only apply after the enrollee has met the minimum deductible specified in federal tax law. However, this rule does not apply to preventive care services, for which cost-sharing requirements will continue to apply regardless of whether the minimum deductible has been met. The bill amends three sections of the insurance law to implement these changes, covering different types of health insurance plans, and is designed to help consumers maintain HSA eligibility while providing clarity on when cost-sharing requirements take effect. The changes aim to provide more flexibility and protection for individuals with high-deductible health plans who want to maintain their health savings account benefits.

Business and Industry

https://www.nysenate.gov/legislation/bills/2025/A5367