H 4333
An Act relative to consumer deductibles
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Sign in to take action- Introduced
- Passed House
- Passed Senate
- To Governor
- Became Law
Bill overview
This bill clarifies how health insurance deductibles and cost-sharing requirements are calculated. It requires insurers to include all payments made by enrollees or on their behalf when determining a person’s contribution to their deductible or cost-sharing obligations. The bill also specifies that cost-sharing amounts should be applied towards out-of-pocket costs in full and addresses potential impacts on health savings account eligibility.
Key provisions
- Defines key terms related to health insurance, including ‘insurer,’ ‘cost sharing requirement,’ and ‘enrollee.’
- Requires insurers to include all payments made by enrollees or on their behalf when calculating deductibles and cost-sharing.
- Specifies that cost-sharing amounts should be applied fully towards out-of-pocket costs.
- Addresses potential impacts on health savings account eligibility, particularly regarding high-deductible plans.
- Clarifies the calculation of annual limitations on cost sharing.
- Establishes a reporting date extension for the bill.
Who is affected
- Health insurance enrollees
- Health insurance issuers
- Healthcare providers
- Individuals with health savings accounts
- The health insurance industry
Notable changes
- Introduces specific definitions for key terms related to health insurance cost-sharing.
- Mandates the inclusion of all payments made by enrollees towards their deductibles and cost-sharing.
Sponsors
Official sponsors from legislative records.
Primary sponsor
Joint Committee on Financial Services
Cosponsors
Adam J. Scanlon
Brian W. Murray
Carmine Lawrence Gentile
Daniel Cahill
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Bill H.4333 194th (Current)
An Act relative to consumer deductibles
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Bill Information
Bill Information
Sponsor: Joint Committee on Financial Services Status: Referred to Joint Committee on Health Care Financing
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Bill History Cosponsors Committee Vote Committee Summary
Bill History
Displaying 5 actions for Bill H.4333
| Date | Branch | Action |
| 7/31/2025 | House | Reported from the committee on Financial Services |
| 7/31/2025 | House | New draft of H1101 |
| 7/31/2025 | House | Reported favorably by committee and referred to the committee on Health Care Financing |
| 12/8/2025 | House | Reporting date extended to Wednesday, March 18, 2026 |
| 3/19/2026 | House | Reporting date extended to Monday, June 15, 2026 |
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