VirginiaHB8132026 Regular SessionHouseWALLET

Health insurance; application of cost-sharing prohibitions.

Sponsored By: Richard C. "Rip" Sullivan, Jr. (Democratic)

Signed by Governor

Summary

Health insurance; application of cost-sharing prohibitions. Provides that provisions of state law that prohibit a health insurance carrier from imposing a cost-sharing requirement on an enrollee for receiving a health care service (i) apply only when such enrollee receives such health care service from a participating provider under the health benefit plan and (ii) do not apply if the application of such prohibition would disqualify a high-deductible health benefit plan from eligibility for a health savings account under federal law.

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Bill Overview

Analyzed Economic Effects

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

Payments by others count toward patient limits

When federal rules allow, Virginia-regulated plans must count payments you or others make on your behalf toward your out-of-pocket maximum. These payments also count toward your cost-sharing requirements. Payments by others can help you reach those limits sooner.

Patients need in-network care for cost protections

For health plans subject to Virginia law, the law’s bans on patient cost-sharing apply only to in-network care. You may still owe deductibles, copayments, or coinsurance for out-of-network care, even when the service otherwise qualifies.

High-deductible plans keep tax benefits, delay protections

Virginia law preserves high-deductible plans’ eligibility for health savings accounts (HSAs). When needed to preserve that eligibility, cost-sharing bans and payment-counting rules do not apply to the deductible. This exception lasts until you meet the federal minimum deductible. For preventive care defined by federal HSA law, both rules apply even before you meet that deductible.

Sponsors & Cosponsors

Sponsor

  • Richard C. "Rip" Sullivan, Jr.

    Democratic • House

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

All Roll Calls

Yes: 320 • No: 0

Senate vote • 2/26/2026

Passed Senate Block Vote

Yes: 40 • No: 0

Senate vote • 2/25/2026

Constitutional reading dispensed Block Vote (on 2nd reading)

Yes: 40 • No: 0

Senate vote • 2/25/2026

Passed by for the day Block Vote (Voice Vote)

Yes: 0 • No: 0

Senate vote • 2/23/2026

Reported from Commerce and Labor

Yes: 15 • No: 0

House vote • 2/11/2026

Passed House Block Vote

Yes: 98 • No: 0

House vote • 2/11/2026

Read third time and passed House Block Vote

Yes: 96 • No: 0

House vote • 2/5/2026

Reported from Labor and Commerce

Yes: 22 • No: 0

House vote • 2/3/2026

Subcommittee recommends reporting

Yes: 9 • No: 0

Actions Timeline

  1. Acts of Assembly Chapter text (CHAP0224)

    4/6/2026Governor
  2. Approved by Governor-Chapter 224 (effective 7/1/2026)

    4/6/2026Governor
  3. Fiscal Impact Statement from State Corporation Commission (HB813)

    3/24/2026House
  4. Governor's Action Deadline 11:59 p.m., April 13, 2026

    3/10/2026Governor
  5. Enrolled Bill communicated to Governor on March 10, 2026

    3/10/2026House
  6. Bill text as passed House and Senate (HB813ER)

    3/3/2026House
  7. Enrolled

    3/3/2026House
  8. Signed by President

    3/3/2026Senate
  9. Signed by Speaker

    3/3/2026House
  10. Passed Senate Block Vote (40-Y 0-N 0-A)

    2/26/2026Senate
  11. Read third time

    2/26/2026Senate
  12. Passed by for the day Block Vote (Voice Vote)

    2/25/2026Senate
  13. Constitutional reading dispensed Block Vote (on 2nd reading) (40-Y 0-N 0-A)

    2/25/2026Senate
  14. Rules suspended

    2/25/2026Senate
  15. Reported from Commerce and Labor (15-Y 0-N)

    2/23/2026Senate
  16. Referred to Committee on Commerce and Labor

    2/12/2026Senate
  17. Constitutional reading dispensed (on 1st reading)

    2/12/2026Senate
  18. Passed House Block Vote (98-Y 0-N 0-A)

    2/11/2026House
  19. Reconsideration of passage agreed to by House

    2/11/2026House
  20. Read third time and passed House Block Vote (96-Y 0-N 0-A)

    2/11/2026House
  21. Read second time and engrossed

    2/10/2026House
  22. Read first time

    2/9/2026House
  23. Reported from Labor and Commerce (22-Y 0-N)

    2/5/2026House
  24. Subcommittee recommends reporting (9-Y 0-N)

    2/3/2026House
  25. Assigned HCL sub: Subcommittee #1

    1/22/2026House

Bill Text

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