Senate SF No 628 is a bill introduced in Minnesota that aims to modify how health insurance companies calculate the amounts that go towards an enrollee's out-of-pocket maximum or cost-sharing expenses. Under this new legislation, any payments made by the enrollee or on their behalf by someone else toward their health plan’s out-of-pocket costs, like copayments, coinsurance, or deductibles, must be included in the total contributed amount. This change ensures that all money paid, regardless of the source, counts towards meeting the enrollee's cost-sharing limits.