Massachusetts H4333 amends consumer deductibles for health insurance plans.

Massachusetts H4333 modifies how insurers calculate consumer deductibles for health insurance plans. It requires insurers to include all cost-sharing amounts paid by the enrollee or on their behalf when calculating an enrollee's contribution to any applicable cost-sharing requirement. The bill also mandates that insurers apply these cost-sharing amounts in full at the time they are rendered and towards the enrollee's out-of-pocket costs, deductible, cost-sharing, or similar obligations. The changes apply to health plans entered into, amended, extended, or renewed on or after January 1, 2026.

Massachusetts H4333 amends consumer deductibles for health insurance plans.

Massachusetts H4333 modifies how insurers calculate consumer deductibles for health insurance plans. It requires insurers to include all cost-sharing amounts paid by the enrollee or on their behalf when calculating an enrollee's contribution to any applicable cost-sharing requirement. The bill also mandates that insurers apply these cost-sharing amounts in full at the time they are rendered and towards the enrollee's out-of-pocket costs, deductible, cost-sharing, or similar obligations. The changes apply to health plans entered into, amended, extended, or renewed on or after January 1, 2026.