SF1408 (Legislative Session 94 (2025-2026))
Insurers prohibition from requiring co-payments for children's mental health services
Related bill: HF32
AI Generated Summary
Senate Bill S.F. No. 1408 proposes a law related to health insurance in Minnesota, aimed at reducing financial barriers for accessing mental health services for children under 18 years old. The bill would make it illegal for health insurers to charge a copayment for any mental health services provided to children, helping to make mental health care more affordable and accessible for families.
However, for health plans linked with a high-deductible health savings account (HSA), a minimal copayment is required. This is necessary to comply with federal tax rules that allow for tax-exempt contributions and withdrawals related to HSAs. The specific conditions under which these payments are required are governed by Section 223 of the Internal Revenue Code. This approach balances making mental health services more accessible for children while respecting the constraints imposed by federal tax laws on health savings accounts.
Bill text versions
- Introduction PDF file
Actions
| Date | Chamber | Where | Type | Name | Committee Name |
|---|---|---|---|---|---|
| February 12, 2025 | Senate | Floor | Action | Introduction and first reading | |
| February 12, 2025 | Senate | Floor | Action | Referred to | Commerce and Consumer Protection |
Citations
[
{
"analysis": {
"added": [],
"removed": [],
"summary": "This bill references the federal law governing health savings accounts to ensure copayment rules are compliant.",
"modified": [
"Aligns copayment structures with federal tax-exempt contribution rules for health savings accounts."
]
},
"citation": "223 of the Internal Revenue Code of 1986"
}
]