# Virginia HB813: Health insurance; application of cost-sharing prohibitions.

Virginia HB813, Health insurance; application of cost-sharing prohibitions., is a 2026 Regular Session House bill sponsored by Richard C. "Rip" Sullivan, Jr. (Democratic); status signed, last action 2026-04-06 (Acts of Assembly Chapter text (CHAP0224)); PRIA reads it as touching household money (as of 2026-10-12).

- Canonical: https://policyrisk.com/state-bill/VA-HB813-2026
- As of: 2026-10-12
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Virginia HB813
- State: Virginia
- Session: 2026 Regular Session
- Title: Health insurance; application of cost-sharing prohibitions.
- Status: signed
- Chamber: House
- Introduced: 2026-01-13
- Last action: 2026-04-06, Acts of Assembly Chapter text (CHAP0224)
- Sponsor: Richard C. "Rip" Sullivan, Jr. (Democratic)
- Cosponsors: 0
- Touches household money: yes
- Roll calls: 8 (320 yes, 0 no in all)
- Economic provisions PRIA read: 3

## 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.

## Bill overview: provisions PRIA read

- Payments by others count toward patient limits: benefit, low. 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: cost, low. 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: mixed, low. 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 car…

## Sponsors and cosponsors

- Sponsor: Richard C. "Rip" Sullivan, Jr. (Democratic), House

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2026-02-26 | Senate | Passed Senate Block Vote | pass | 40 | 0 |   |
| 2026-02-25 | Senate | Constitutional reading dispensed Block Vote (on 2nd reading) | pass | 40 | 0 |   |
| 2026-02-25 | Senate | Passed by for the day Block Vote (Voice Vote) | pass | 0 | 0 |   |
| 2026-02-23 | Senate | Reported from Commerce and Labor | pass | 15 | 0 |   |
| 2026-02-11 | House | Passed House Block Vote | pass | 98 | 0 |   |
| 2026-02-11 | House | Read third time and passed House Block Vote | pass | 96 | 0 |   |
| 2026-02-05 | House | Reported from Labor and Commerce | pass | 22 | 0 |   |
| 2026-02-03 | House | Subcommittee recommends reporting | pass | 9 | 0 |   |

## Actions (27)

- 2026-04-06: Acts of Assembly Chapter text (CHAP0224) (Governor)
- 2026-04-06: Approved by Governor-Chapter 224 (effective 7/1/2026) (Governor)
- 2026-03-24: Fiscal Impact Statement from State Corporation Commission (HB813) (House)
- 2026-03-10: Governor's Action Deadline 11:59 p.m., April 13, 2026 (Governor)
- 2026-03-10: Enrolled Bill communicated to Governor on March 10, 2026 (House)
- 2026-03-03: Bill text as passed House and Senate (HB813ER) (House)
- 2026-03-03: Enrolled (House)
- 2026-03-03: Signed by President (Senate)
- 2026-03-03: Signed by Speaker (House)
- 2026-02-26: Passed Senate Block Vote (40-Y 0-N 0-A) (Senate)
- 2026-02-26: Read third time (Senate)
- 2026-02-25: Passed by for the day Block Vote (Voice Vote) (Senate)
- 2026-02-25: Constitutional reading dispensed Block Vote (on 2nd reading) (40-Y 0-N 0-A) (Senate)
- 2026-02-25: Rules suspended (Senate)
- 2026-02-23: Reported from Commerce and Labor (15-Y 0-N) (Senate)
- 2026-02-12: Referred to Committee on Commerce and Labor (Senate)
- 2026-02-12: Constitutional reading dispensed (on 1st reading) (Senate)
- 2026-02-11: Passed House Block Vote (98-Y 0-N 0-A) (House)
- 2026-02-11: Reconsideration of passage agreed to by House (House)
- 2026-02-11: Read third time and passed House Block Vote (96-Y 0-N 0-A) (House)
- 2026-02-10: Read second time and engrossed (House)
- 2026-02-09: Read first time (House)
- 2026-02-05: Reported from Labor and Commerce (22-Y 0-N) (House)
- 2026-02-03: Subcommittee recommends reporting (9-Y 0-N) (House)
- 2026-01-22: Assigned HCL sub: Subcommittee #1 (House)
- 2026-01-13: Referred to Committee on Labor and Commerce (House)
- 2026-01-13: Prefiled and ordered printed; Offered 01-14-2026 26101401D (House)

## Bill text

- Chaptered, 2026-04-06: [HTML](https://lis.blob.core.windows.net/files/1216922.HTML), [PDF](https://lis.blob.core.windows.net/files/1216921.PDF)
- Enrolled, 2026-03-03: [HTML](https://lis.blob.core.windows.net/files/1187084.HTML), [PDF](https://lis.blob.core.windows.net/files/1187083.PDF)
- Introduced, 2026-01-13: [HTML](https://lis.blob.core.windows.net/files/1086008.HTML), [PDF](https://lis.blob.core.windows.net/files/1086007.PDF)

## Related bills

- HB5: Employment; paid sick leave, civil penalties. (signed)
- SB199: Employment; paid sick leave, civil penalties. (signed)
- HB95: Va. Residential Landlord and Tenant Act; landlord remedies, noncompliance with rental agreement. (signed)
- HB1393: Electric utilities; pilot program for energy assistance and weatherization for certain individuals. (signed)
- HB834: Virginia Residential Landlord and Tenant Act; fire or casualty damage, termination by landlord. (signed)
- HB675: Protection of employees; coercion or threat based on immigration status, civil penalty. (signed)

## Sources
- [Chaptered (HTML)](https://lis.blob.core.windows.net/files/1216922.HTML)
- [Chaptered (PDF)](https://lis.blob.core.windows.net/files/1216921.PDF)
- [Enrolled (HTML)](https://lis.blob.core.windows.net/files/1187084.HTML)
- [Enrolled (PDF)](https://lis.blob.core.windows.net/files/1187083.PDF)
- [Introduced (HTML)](https://lis.blob.core.windows.net/files/1086008.HTML)
- [Introduced (PDF)](https://lis.blob.core.windows.net/files/1086007.PDF)

## Related
- [HB5: Employment; paid sick leave, civil penalties.](https://policyrisk.com/state-bill/VA-HB5-2026)
- [SB199: Employment; paid sick leave, civil penalties.](https://policyrisk.com/state-bill/VA-SB199-2026)
- [HB95: Va. Residential Landlord and Tenant Act; landlord remedies, noncompliance with…](https://policyrisk.com/state-bill/VA-HB95-2026)
- [HB1393: Electric utilities; pilot program for energy assistance and weatherization for…](https://policyrisk.com/state-bill/VA-HB1393-2026)
- [HB834: Virginia Residential Landlord and Tenant Act; fire or casualty damage, terminat…](https://policyrisk.com/state-bill/VA-HB834-2026)
- [HB675: Protection of employees; coercion or threat based on immigration status, civil…](https://policyrisk.com/state-bill/VA-HB675-2026)
- [Virginia bills](https://policyrisk.com/states/virginia/bills)
- [Virginia state hub](https://policyrisk.com/states/virginia)
- [All state legislation](https://policyrisk.com/state-bills)

Source: PRIA, https://policyrisk.com/state-bill/VA-HB813-2026 (as of 2026-10-12).