Health Savings Account Qualified Insurance - Cost-Sharing Limitations
Summary
Kentucky General Assembly enacted HB184 to limit health insurance cost-sharing requirements that would cause policies to lose HSA-qualified status under federal law. The bill creates new sections in KRS Chapter 304 and KRS Chapter 18A and may be cited as the Health Savings Account State-Federal Regulatory Coordination Model Act. The legislation passed with unanimous votes in both chambers (94-0 House, 38-0 Senate) and was signed by the Governor on April 3, 2026.
What changed
HB184 creates a new section of KRS Chapter 304 establishing limitations on cost-sharing requirements that would disqualify health insurance policies from HSA-qualified status under federal law. The bill also creates a new section of KRS Chapter 18A subjecting state employee benefit cost-sharing to the same limitations. The Act applies to all policies, certificates, plans, and contracts issued or renewed on or after its effective date.
Health insurers offering HSA-qualified plans in Kentucky must review their cost-sharing structures to ensure compliance with the new state limitations. State agencies administering KRS Chapter 18A benefits must update plan designs accordingly. Insurance brokers and advisers should assess affected client portfolios for compliance with the new requirements. The bill received strong bipartisan support with unanimous passage in both chambers.
What to do next
- Review HSA-qualified health insurance plan designs for compliance with new cost-sharing limitations
- Update state employee benefit plans under KRS Chapter 18A to align with new requirements
- Assess whether existing policy cost-sharing structures would trigger loss of HSA-qualified status
Source document (simplified)
ChangeBridge / Kentucky / HB184 Signed by Governor HB184 House Bill Signed by Governor 2026-04-03
AN ACT relating to health savings account-qualified insurance plans.
Create a new section of Subtitle 1 of KRS Chapter 304 to limit the application of cost-sharing requirements that would result in a health insurance policy, certificate, plan, or contract losing its health savings account-qualified status under federal law; create a new section of KRS Chapter 18A to subject cost-sharing requirements in that chapter to applicability limitation; provide that applicability limitation applies to policies, certificates, plans, and contracts issued or renewed on or after the effective date of the Act; provide purpose of Section 1 of the Act; state the that Section 1 of the Act may be cited as the Health Savings Account State-Federal Regulatory Coordination Model Act.
Bill Details
State Kentucky
Session 2026 Regular Session
Chamber House
Official Source apps.legislature.ky.gov/record/26RS/hb184....
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Sponsors
Michael Meredith (Rep - R) Daniel Grossberg (Rep - D)
Action History
2026-04-03 H signed by Governor 2026-03-26 H delivered to Governor 2026-03-26 H enrolled, signed by President of the Senate 2026-03-26 H enrolled, signed by Speaker of the House 2026-03-26 H received in House 2026-03-25 S 3rd reading, passed 38-0 2026-03-24 S passed over and retained in the Consent Orders of the Day 2026-03-20 S posted for passage in the Consent Orders of the Day for Tuesday, March 24 2026 2026-03-11 S 2nd reading, to Rules as a consent bill 2026-03-10 S reported favorably, 1st reading, to Consent Calendar 2026-03-06 S to Banking & Insurance (S) 2026-01-21 S to Committee on Committees (S) 2026-01-21 S received in Senate 2026-01-20 H 3rd reading, passed 94-0 2026-01-16 H posted for passage in the Regular Orders of the Day for Tuesday, January 20, 2026 2026-01-15 H 2nd reading, to Rules 2026-01-14 H reported favorably, 1st reading, to Calendar 2026-01-12 H to Banking & Insurance (H) 2026-01-07 H to Committee on Committees (H) 2026-01-07 H introduced in House
Votes
2026-01-20 House: Third Reading RCS# 12 Yea: 94 Nay: 0 2026-01-20 House: Veto Override RCS# 12 Yea: 94 Nay: 0 2026-03-25 Senate: Third Reading RSN# 3994 Yea: 38 Nay: 0
Committee Referrals
2026-01-07 H Committee On Committees 2026-01-12 H Banking and Insurance 2026-01-15 H Rules 2026-01-21 S Committee on Committees 2026-03-06 S Banking and Insurance 2026-03-11 S Rules
Bill Text Versions
0000-00-00 Introduced 0000-00-00 Engrossed
Subjects
Federal Laws and Regulations Insurance, Health Short Titles and Popular Names State Employees Legislative data powered by LegiScan (CC BY 4.0)
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