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MarylandHB 09742025 Regular SessionHouseWALLET

Health Insurance - Preventive Services - High Deductible Health Plans and Enforcement Authority

Sponsored By: Emily Shetty (Democratic)

Signed by Governor

Health - InsuranceFederal GovernmentHealth Insurance -see also- ACA; HMOs; MCOsInsurance AdministrationIntergovernmental Cooperation -see also- AdmAgn; Cmts; etc.Rules and RegulationsStandards and Best Practices

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Bill Overview

Analyzed Economic Effects

2 provisions identified: 0 benefits, 1 costs, 1 mixed.

High-deductible patients may pay for prevention

Beginning June 1, 2025, carriers may apply a high-deductible plan’s deductible to the preventive care covered by this law. This applies to plans meeting the federal definition in 26 U.S.C. § 223(c)(2). Carriers cannot use this exception when Maryland’s Insurance Commissioner determines the coverage qualifies for the federal preventive-care safe harbor. That safe harbor allows qualifying preventive care before the deductible is met.

No-cost preventive care with network limits

Beginning June 1, 2025, Maryland carriers must cover specified preventive care without copays, coinsurance, or deductibles, subject to exceptions. This covers services rated A or B by the U.S. Preventive Services Task Force for the person receiving care. It also covers routine vaccines recommended by the CDC’s vaccine advisory committee, adopted by the CDC Director, and listed in CDC schedules. Covered care includes children’s preventive care and screenings under Health Resources and Services Administration guidelines. Women’s preventive care and screenings, including contraception, follow that agency’s federal coverage guidelines; contraception remains subject to Maryland § 15–826(c). Network plans may charge patients for out-of-network care when federal and state law allow. Separate deductible rules apply to high-deductible plans. Carriers may cover services beyond Task Force recommendations or deny services the Task Force does not recommend. The Maryland Insurance Commissioner must enforce these requirements using federal guidelines and related rules in effect on December 31, 2024, subject to § 15–826(c). The Commissioner may adopt regulations using that baseline or later federal guidance that expands coverage, including requiring future recommended services without cost sharing.

Sponsors & Cosponsors

Sponsor

  • Emily Shetty

    Democratic • House

Cosponsors

  • Tiffany T. Alston

    Democratic • House

  • Heather Bagnall

    Democratic • House

  • Harry Bhandari

    Democratic • House

  • Bonnie Cullison

    Democratic • House

  • Dana Jones

    Democratic • House

  • Pam Lanman Guzzone

    Democratic • House

  • Terri L. Hill

    Democratic • House

  • Anne R. Kaiser

    Democratic • House

  • Aaron M. Kaufman

    Democratic • House

  • Kenneth Kerr

    Democratic • House

  • Lesley J. Lopez

    Democratic • House

  • Ashanti Martinez

    Democratic • House

  • Joseline A. Peña-Melnyk

    Democratic • House

  • Samuel I. Rosenberg

    Democratic • House

  • Kim Ross

    Democratic • House

  • Steve Johnson

    Democratic • House

  • Jared Solomon

    Democratic • House

  • Deni Taveras

    Democratic • House

  • Jennifer White Holland

    Democratic • House

  • Jamila J. Woods

    Democratic • House

  • Teresa Woorman

    Democratic • House

Roll Call Votes

All Roll Calls

Yes: 238 • No: 80

House vote • 4/7/2025

Third Reading Passed

Yes: 100 • No: 37 • Other: 3

Senate vote • 4/4/2025

Third Reading Passed

Yes: 37 • No: 5 • Other: 1

House vote • 3/11/2025

Third Reading Passed

Yes: 101 • No: 38

Actions Timeline

  1. Approved by the Governor - Chapter 745

    5/20/2025

  2. Passed Enrolled

    4/7/2025House

  3. Third Reading Passed (100-37)

    4/7/2025House

  4. House Concurs Senate Amendments

    4/7/2025House

  5. Third Reading Passed (37-5)

    4/4/2025Senate

  6. Second Reading Passed with Amendments

    4/4/2025Senate

  7. Favorable with Amendments {603620/1 Adopted

    4/4/2025Senate

  8. Favorable with Amendments Report by Finance

    4/4/2025Senate

  9. Hearing 3/27 at 1:00 p.m.

    3/20/2025Senate

  10. Referred Finance

    3/12/2025Senate

  11. Third Reading Passed (101-38)

    3/11/2025House

  12. Second Reading Passed with Amendments

    3/11/2025House

  13. Favorable with Amendments {943925/1 Adopted

    3/11/2025House

  14. Favorable with Amendments Report by Health and Government Operations

    3/10/2025House

  15. Hearing 2/20 at 1:00 p.m.

    2/3/2025House

  16. First Reading Health and Government Operations

    1/31/2025House

Bill Text

  • Enacted

    5/20/2025

    PDF

  • Enrolled

    4/7/2025

    PDF

  • Third Reading

    3/11/2025

    PDF

  • First Reading

    1/31/2025

    PDF

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