AN ACT relating to health savings account-qualified insurance plans.

Short title: Health Savings Account State-Federal Regulatory Coordination Model Act

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…

Federal Laws and Regulations Insurance, Health Short Titles and Popular Names State Employees

In effect since July 15, 2026

Acts from the 2026 Regular Session that don't carry an emergency clause or set their own effective date took effect 90 days after the session adjourned (Ky. Constitution § 55).

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This bill sets rules to make sure that health insurance plans sold or renewed in Kentucky do not accidentally lose their eligibility for use with health savings accounts under federal law. It limits certain cost-sharing requirements in insurance plans so they stay within federal guidelines that allow people to pair those plans with a health savings account. It also applies these protections to health insurance coverage for state employees. Who it may affect: Kentuckians who use or plan to use a health savings account alongside their insurance, and state government employees enrolled in state health coverage plans.

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