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SF 2452IOWASession 2025-2026State BillSigned into law

Enacted

Iowa Senate File 2452 protects health savings account eligibility by restricting cost sharing on high-deductible plans

Original title: A bill for an act relating to cost sharing for health savings accounts and qualified high-deductible health plans.(Formerly SSB 3055 .)

Last action · May 15, 2026: Signed by Governor . H.J. 1166 .

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What This Bill Does

Iowa law now requires that any copayment, , or deductible for group and accident and health insurance applies only after an enrollee satisfies their minimum deductible, provided the cost sharing would otherwise make them ineligible for a under federal tax rules.

Why it matters

Enrollees with high-deductible health plans will not lose their tax-advantaged status due to plan cost-sharing structures, ensuring preventive care rules under federal tax code remain aligned with state insurance mandates.

Who It Affects

Groups the bill's text affects, as described in the record. Being affected is not a position for or against it.

Directly affected

enrollees under chapter 509 and chapter 514A

Their health insurance cost-sharing requirements are restricted so that copayments, coinsurance, or deductibles apply only after satisfying their minimum deductible if necessary to maintain health savings account eligibility.

Key Facts

Applies to group insurance and accident and health insurance policies under chapters 509 and 514A.
Cost sharing such as copayments, coinsurance, or deductibles must apply only after an enrollee satisfies the minimum deductible if it would otherwise cause HSA ineligibility.
Excludes items or services determined to be preventive care under section 223(c)(2)(C) of the Internal Revenue Code from the minimum deductible restriction.
Aligns state insurance cost-sharing rules with section 223 of the Internal Revenue Code.

Frequently Asked Questions

What triggers the new cost-sharing rule under SF 2452?

The rule is triggered if a copayment, , or deductible paid by an enrollee could result in the enrollee becoming ineligible for a associated with their .

Are preventive care services affected by this deductible requirement?

No, items or services determined to be preventive care under section 223(c)(2)(C) of the Internal Revenue Code are excepted from the requirement to satisfy the minimum deductible first.

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Where This Stands

Current status: Signed into law.

Procedural history

30 actions

May 15, 2026HouseEnrolled
Signed by Governor . H.J. 1166 .
May 6, 2026House
Reported correctly enrolled, signed by Speaker and President, and sent to Governor. H.J. 1164 .
Apr 15, 2026House
Message from Senate. H.J. 900 .
Apr 15, 2026Senate
Immediate message. S.J. 797 .
Apr 15, 2026SenateFloor
Passed Senate , yeas 47, nays 0. S.J. 795 .
Apr 15, 2026Senate
Substituted for SF 2452 . S.J. 795 .

Show 24 earlier actions

Apr 15, 2026Senate
Withdrawn. S.J. 796 .
Apr 15, 2026Senate
HF 2185 substituted. S.J. 795 .
Apr 2, 2026SenateIntroduced
Read first time, attached to SF 2452 . S.J. 710 .
Apr 2, 2026House
Message from House. S.J. 710 .
Apr 2, 2026Senate
Attached to HF 2185 . S.J. 710 .
Apr 1, 2026House
Immediate message. H.J. 801 .
Apr 1, 2026HouseFloor
Passed House , yeas 92, nays 0. H.J. 794 .
Mar 19, 2026House
Placed on calendar under unfinished business. H.J. 691 .
Mar 19, 2026Senate
Placed on calendar under unfinished business. S.J. 600 .
Feb 23, 2026Senate
Committee report, approving bill. S.J. 364 .
Feb 23, 2026SenateIntroduced
Introduced, placed on calendar. S.J. 360 .
Feb 19, 2026Iowa Legislature
Committee report approving bill, renumbered as SF 2452 .
Jan 28, 2026HouseIntroduced
Introduced, placed on calendar. H.J. 164 .
Jan 28, 2026Iowa Legislature
Subcommittee recommends passage.
Jan 28, 2026Iowa Legislature
Committee report approving bill, renumbered as HF 2185 .
Jan 27, 2026Iowa Legislature
Subcommittee Meeting: 01/28/2026 3:00PM Room 217 Conference Room.
Jan 21, 2026Iowa Legislature
Subcommittee: Rowley, Bisignano, and Driscoll.
Jan 21, 2026Iowa LegislatureIntroduced
Introduced, referred to Commerce.
Jan 21, 2026House
Committee vote: Yeas, 22. Nays, 0. Excused, 1. H.J. 141 .
Jan 21, 2026House
Committee report, recommending passage. H.J. 141 .
Jan 15, 2026Iowa Legislature
Subcommittee recommends passage.
Jan 13, 2026Iowa Legislature
Subcommittee Meeting: 01/15/2026 8:00AM RM 305.
Jan 13, 2026House
Subcommittee: Lundgren, Blom and Srinivas. H.J. 70 .
Jan 13, 2026HouseIntroduced
Introduced, referred to Commerce. H.J. 65 .

Version history

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Lobbying Activity

No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.

Full breakdown

Who this bill affects and the strongest case for and against it, written only from the bill’s own text.

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