Free Primary and Behavioral Health Visits: Eliminating Cost-Sharing.
This legislation mandates that most health insurance plans must cover three primary care visits and three behavioral health care visits annually without any cost-sharing requirements. This means citizens will not face copayments, deductibles, or coinsurance for these first six essential visits, significantly reducing out-of-pocket healthcare expenses. The rule applies to both group and individual plans, including High Deductible Health Plans (HDHPs) linked to HSAs.
Key points
Guarantees 3 free annual visits to a primary care provider (e.g., GP, internist) with zero cost-sharing for the patient.
Requires coverage for 3 behavioral health visits (e.g., therapist, psychologist) annually, also free of charge.
High Deductible Health Plans (HDHPs) can cover these visits before the deductible is met, preserving HSA eligibility.
The changes will take effect for plan years beginning two years after the law is enacted.
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