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STATE OF IOWA
KIM REYNOLDS
GOVERNOR
May 15,2026
The Honorable Paul Pate
Secretary of State of Iowa
State Capitol
Des Moines, Iowa 50319
Dear Mr. Secretary,
I hereby transmit:
House File 2185, an Act relating to cost sharing for health savings accoimts and qualified
high-deductible health plans
The above House File is hereby approved on this date.
Sincecely,
Kim Reynolds
Govemor of Iowa
cc: Secretary of the Senate
Clerk of the House
STATE CAPITOL DES MOINES, IOWA 50319 515.281.5211 WWW.GOVERNOR.IOWA.GOV
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House File 2185
AN ACT
RELATING TO COST SHARING FOR HEALTH SAVINGS ACCOUNTS AND
QUALIFIED HIGH-DEDUCTIBLE HEALTH PLANS.
BE IT ENACTED BY THE GENERAL ASSEMBLY OF THE STATE OF IOWA:
Section 1. NEW SECTION. 509.3B Health savings accounts and
qualified high-deductible health plans — cost sharing.
If a copaymentr coinsurance, or deductible paid as cost
sharing by an enrollee under this chapter may result in the
enrollee becoming ineligible for a health savings account
associated with the enrollee's qualified high-deductible
health plan under section 223 of the Internal Revenue Code,
the cost sharing shall apply only to the enrollee's qualified
high-deductible health plan after the enrollee satisfies the
enrollee's minimum deductible, except for items or services
determined to be preventive care under section 223(c)(2)(C) of
the Internal Revenue Code.
Sec. 2. NEW SECTION, 514A.3C Health savings accounts and
qualified high-deductible health plans — cost sharing.
If a copayment, coinsurance, or deductible paid as cost
sharing by an enrollee under this chapter may result in the
enrollee becoming ineligible for a health savings account
associated with the enrollee's qualified high-deductible
health plan under section 223 of the Internal Revenue Code,
the cost sharing shall apply only to the enrollee's qualified
House Pile 2185, p. 2
high-deductible health plan after the enrollee satisfies the
enrollee's minimum deductible, except for items or services
determined to be preventive care under section 223(c)(2)(C) of
the Internal Revenue Code.
PAT GRASSLJ
Speaker of the House
AMY SINCI^IR
President of the Senate
I hereby certify that this bill originated in the House and
is known as House File 2185, Ninety-first General Assembly.
Approved , 2026
MEGHAN NELSON
Chief CJlerk o^the House
KIM RE\3^0LDS
Governor