PRIA Logo™
IdahoH 09292026 regular legislative sessionHouseWALLET

HEALTH CARE – Adds to existing law to establish provisions regarding certain out-of-pocket payments for health care services.

Sponsored By: WAYS AND MEANS COMMITTEE

Signed by Governor

HEALTH CARE

Personalized for You

How does this bill affect your finances?

Personalize government policy and PRIA will tell you what this bill means for your household, plus every other piece of legislation we track. PRIA reads each provision against your financial profile to show you exactly what matters to your wallet.

Free to download

Bill Overview

Analyzed Economic Effects

3 provisions identified: 1 benefits, 1 costs, 1 mixed.

Discounted cash price option and no balance bills

Beginning January 1, 2027, you can choose to pay a provider out of pocket. Your insurer cannot stop a provider from offering you a discounted cash price. If the provider accepts that discounted cash payment, it is payment in full. The provider cannot bill you or your insurer for the balance.

Many plan types excluded from counting

Beginning January 1, 2027, some plans cannot use the rule that counts cash payments toward deductibles and out‑of‑pocket limits. Excluded plans include specified‑disease, accidental death, dental‑only, vision‑only, limited benefit, hospital indemnity, disability income, liability supplements, programs run by Idaho Medicaid (Title XIX), Medicare supplement (Medigap), workers’ compensation, motor‑vehicle medical payment, long‑term care (unless it is a full health plan), and short‑term plans of six months or less.

Cash payments count toward your deductible

Beginning January 1, 2027, your insurer must count your full cash payment toward your deductible and yearly out‑of‑pocket limit if all are true: the service is medically necessary and covered, you negotiated a price below the plan’s allowed amount, you paid out of pocket, and the provider will not bill the plan. You must send electronic proof: provider contact, final bill, the negotiated price, proof you paid, and a statement the provider will not file a claim. Counted amounts go to the in‑network deductible if the provider is in‑network, and to the out‑of‑network deductible if not. Counted amounts cannot exceed what you owe for that plan period and do not carry over to a new plan period.

Sponsors & Cosponsors

Sponsor

  • WAYS AND MEANS COMMITTEE

    Affiliation unavailable

Cosponsors

  • Erin M. Bingham

    Republican • House

  • Kevin Cook

    Republican • Senate

Roll Call Votes

All Roll Calls

Yes: 78 • No: 26

Senate vote • 3/30/2026

Senate Floor Vote

Yes: 29 • No: 5

House vote • 3/20/2026

House Floor Vote

Yes: 49 • No: 21

Actions Timeline

  1. Reported Signed by Governor on April 2, 2026 Session Law Chapter 275 Effective: 01/01/2027

    4/2/2026

  2. Delivered to Governor at 12:50 p.m. on April 1, 2026

    4/1/2026

  3. Returned Signed by the President; Ordered Transmitted to Governor

    4/1/2026Senate

  4. Signed by President; returned to House

    3/31/2026Senate

  5. Received from the House enrolled/signed by Speaker

    3/31/2026Senate

  6. Reported Enrolled; Signed by Speaker; Transmitted to Senate

    3/31/2026House

  7. Returned from Senate Passed; to JRA for Enrolling

    3/31/2026House

  8. Read third time in full – PASSED - 29-5-1

    3/30/2026Senate

  9. Read second time; filed for Third Reading

    3/25/2026Senate

  10. Reported out of Committee with Do Pass Recommendation; Filed for second reading

    3/24/2026Senate

  11. Introduced, read first time; referred to: Commerce & Human Resources

    3/23/2026Senate

  12. Received from the House passed; filed for first reading

    3/23/2026Senate

  13. Read Third Time in Full – PASSED - 49-21-0

    3/20/2026House

  14. Read second time; Filed for Third Reading

    3/19/2026House

  15. Reported Printed; Filed for Second Reading

    3/18/2026House

  16. Introduced, read first time, referred to JRA for Printing

    3/18/2026House

Bill Text

Related Bills

Back to State Legislation