Minnesota SF1408 prohibits insurers from requiring co-payments for children's mental health services.

Minnesota SF1408 prohibits health plan companies from requiring co-payments for mental health services received by children under the age of 18. However, high-deductible health plans in conjunction with a health savings account must still require a co-payment at the minimum level necessary to preserve an enrollee's ability to make tax-exempt contributions and withdrawals from the health savings account. This change takes effect January 1, 2026, and applies to health plans offered, issued, or renewed on or after that date.

Minnesota SF1408 prohibits insurers from requiring co-payments for children's mental health services.

Minnesota SF1408 prohibits health plan companies from requiring co-payments for mental health services received by children under the age of 18. However, high-deductible health plans in conjunction with a health savings account must still require a co-payment at the minimum level necessary to preserve an enrollee's ability to make tax-exempt contributions and withdrawals from the health savings account. This change takes effect January 1, 2026, and applies to health plans offered, issued, or renewed on or after that date.