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California Assembly Bill AB298

California 2025-2026 Regular Session

California Assembly Bill AB298 Compare Versions

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1-Amended IN Assembly March 04, 2025 CALIFORNIA LEGISLATURE 20252026 REGULAR SESSION Assembly Bill No. 298Introduced by Assembly Member BontaJanuary 23, 2025An act to add Section 1367.55 to the Health and Safety Code, and to add Section 10123.187 to the Insurance Code, relating to health care coverage. LEGISLATIVE COUNSEL'S DIGESTAB 298, as amended, Bonta. Health care coverage cost sharing. Existing law, the Knox-Keene Health Care Service Plan Act of 1975, provides for the licensure and regulation of health care service plans by the Department of Managed Health Care and makes a willful violation of the acts requirements a crime. Existing law provides for the regulation of disability health insurers by the Department of Insurance. Existing law limits the copayment, coinsurance, deductible, and other cost sharing that may be imposed for specified health care services.This bill would prohibit a health care service plan contract or disability health insurance policy issued, amended, or renewed on or after January 1, 2026, from imposing a deductible, coinsurance, copayment, or other cost-sharing requirement for services in-network health care services, as defined, provided to an enrollee or insured under 21 years of age, except as otherwise specified. The bill would prohibit an individual or entity from billing or seeking reimbursement for in-network health care services provided to an enrollee or insured under 21 years of age, except as otherwise specified. Because a willful violation of these provisions by a health care service plan would be a crime, the bill would impose a state-mandated local program.The California Constitution requires the state to reimburse local agencies and school districts for certain costs mandated by the state. Statutory provisions establish procedures for making that reimbursement.This bill would provide that no reimbursement is required by this act for a specified reason.Digest Key Vote: MAJORITY Appropriation: NO Fiscal Committee: YES Local Program: YES Bill TextThe people of the State of California do enact as follows:SECTION 1. Section 1367.55 is added to the Health and Safety Code, to read:1367.55. (a) A health care service plan contract issued, amended, or renewed on or after January 1, 2026, shall not impose a deductible, coinsurance, copayment, or other cost-sharing requirement for in-network health care services provided to an enrollee under 21 years of age, except as provided in subdivision (c). (b) An individual or entity shall not bill or seek reimbursement from an enrollee or contractholder for in-network health care services provided to an enrollee under 21 years of age, except as provided in subdivision (c).(c) In the case of a health care service plan contract that is a high deductible health plan qualifying as eligible for use in combination with a health savings account under the definition set forth in Section 223(c)(2) of Title 26 of the United States Code, the health care service plan contract shall not impose either of the following: (1) A deductible, coinsurance, copayment, or other cost-sharing requirement for preventive care services, as defined for purposes of Section 223(c)(2) of Title 26 of the United States Code, provided to an enrollee under 21 years of age.(2) Coinsurance, a copayment, or other cost-sharing requirement for in-network health care services provided to an enrollee under 21 years of age once a health care service plan contracts deductible has been satisfied for the plan year. (d) For purposes of this section, in-network health care services means all of the following: (1) Covered services provided by a contracting provider.(2) Covered services from a contracting health facility at which, or as a result of which, the enrollee receives services provided by a noncontracting provider.(3) Covered emergency services.(4) Covered services provided to an enrollee by a noncontracting provider when a contracting provider is not available to provide the service in accordance with the timely access requirements described in Section 1367.03. (e) This section does not expand or otherwise affect the scope of required coverage for out-of-network emergency services, except to the extent that cost-sharing requirements for covered out-of-network emergency services shall not be imposed on an enrollee under 21 years of age pursuant to subdivision (a). SEC. 2. Section 10123.187 is added to the Insurance Code, to read:10123.187. (a) A disability health insurance policy issued, amended, or renewed on or after January 1, 2026, shall not impose a deductible, coinsurance, copayment, or other cost-sharing requirement for in-network health care services provided to an insured under 21 years of age, except as provided in subdivision (c).(b) An individual or entity shall not bill or seek reimbursement from an insured or policyholder for in-network health care services provided to an insured under 21 years of age, except as provided in subdivision (c).(c) In the case of a disability health insurance policy that is a high deductible health plan qualifying as eligible for use in combination with a health savings account under the definition set forth in Section 223(c)(2) of Title 26 of the United States Code, the disability health insurance policy shall not impose either of the following:(1) A deductible, coinsurance, copayment, or other cost-sharing requirement for preventive care services, as defined for purposes of Section 223(c)(2) of Title 26 of the United States Code, provided to an insured under 21 years of age.(2) Coinsurance, a copayment, or other cost-sharing requirement for in-network health care services provided to an insured under 21 years of age once a disability health insurance policys deductible has been satisfied for the plan year.(d) For purposes of this section, in-network health care services means all of the following:(1) Covered services provided by a contracting provider.(2) Covered services from a contracting health facility at which, or as a result of which, the insured receives services provided by a noncontracting provider.(3) Covered emergency services.(4) Covered services provided to an insured by a noncontracting provider when a contracting provider is not available to provide the service in accordance with the timely access requirements described in Section 10133.54.(e) This section does not expand or otherwise affect the scope of required coverage for out-of-network emergency services, except to the extent that cost-sharing requirements for covered out-of-network emergency services shall not be imposed on an insured under 21 years of age pursuant to subdivision (a).SEC. 3. No reimbursement is required by this act pursuant to Section 6 of Article XIIIB of the California Constitution because the only costs that may be incurred by a local agency or school district will be incurred because this act creates a new crime or infraction, eliminates a crime or infraction, or changes the penalty for a crime or infraction, within the meaning of Section 17556 of the Government Code, or changes the definition of a crime within the meaning of Section 6 of Article XIIIB of the California Constitution.
1+CALIFORNIA LEGISLATURE 20252026 REGULAR SESSION Assembly Bill No. 298Introduced by Assembly Member BontaJanuary 23, 2025 An act to add Section 1367.55 to the Health and Safety Code, and to add Section 10123.187 to the Insurance Code, relating to health care coverage. LEGISLATIVE COUNSEL'S DIGESTAB 298, as introduced, Bonta. Health care coverage cost sharing. Existing law, the Knox-Keene Health Care Service Plan Act of 1975, provides for the licensure and regulation of health care service plans by the Department of Managed Health Care and makes a willful violation of the acts requirements a crime. Existing law provides for the regulation of disability insurers by the Department of Insurance. Existing law limits the copayment, coinsurance, deductible, and other cost sharing that may be imposed for specified health care services.This bill would prohibit a health care service plan contract or disability insurance policy issued, amended, or renewed on or after January 1, 2026, from imposing a deductible, coinsurance, copayment, or other cost-sharing requirement for services provided to an enrollee or insured under 21 years of age, except as otherwise specified. The bill would prohibit an individual or entity from billing or seeking reimbursement for services provided to an enrollee or insured under 21 years of age, except as otherwise specified. Because a willful violation of these provisions by a health care service plan would be a crime, the bill would impose a state-mandated local program.The California Constitution requires the state to reimburse local agencies and school districts for certain costs mandated by the state. Statutory provisions establish procedures for making that reimbursement.This bill would provide that no reimbursement is required by this act for a specified reason.Digest Key Vote: MAJORITY Appropriation: NO Fiscal Committee: YES Local Program: YES Bill TextThe people of the State of California do enact as follows:SECTION 1. Section 1367.55 is added to the Health and Safety Code, to read:1367.55. (a) A health care service plan contract issued, amended, or renewed on or after January 1, 2026, shall not impose a deductible, coinsurance, copayment, or other cost-sharing requirement for services provided to an enrollee under 21 years of age, except as provided in subdivision (c). (b) An individual or entity shall not bill or seek reimbursement from an enrollee or contractholder for services provided to an enrollee under 21 years of age, except as provided in subdivision (c).(c) In the case of a health care service plan contract that is a high deductible health plan qualifying as eligible for use in combination with a health savings account under the definition set forth in Section 223(c)(2) of Title 26 of the United States Code, the health care service plan contract shall not impose either of the following: (1) A deductible, coinsurance, copayment, or other cost-sharing requirement for preventive care services, as defined for purposes of Section 223(c)(2) of Title 26 of the United States Code, provided to an enrollee under 21 years of age.(2) Coinsurance, a copayment, or other cost-sharing requirement for services provided to an enrollee under 21 years of age once a health care service plan contracts deductible has been satisfied for the plan year. SEC. 2. Section 10123.187 is added to the Insurance Code, to read:10123.187. (a) A disability insurance policy issued, amended, or renewed on or after January 1, 2026, shall not impose a deductible, coinsurance, copayment, or other cost-sharing requirement for services provided to an insured under 21 years of age, except as provided in subdivision (c).(b) An individual or entity shall not bill or seek reimbursement from an insured or policyholder for services provided to an insured under 21 years of age, except as provided in subdivision (c).(c) In the case of a disability insurance policy that is a high deductible health plan qualifying as eligible for use in combination with a health savings account under the definition set forth in Section 223(c)(2) of Title 26 of the United States Code, the disability insurance policy shall not impose either of the following:(1) A deductible, coinsurance, copayment, or other cost-sharing requirement for preventive care services, as defined for purposes of Section 223(c)(2) of Title 26 of the United States Code, provided to an insured under 21 years of age.(2) Coinsurance, a copayment, or other cost-sharing requirement for services provided to an insured under 21 years of age once a disability insurance policys deductible has been satisfied for the plan year.SEC. 3. No reimbursement is required by this act pursuant to Section 6 of Article XIIIB of the California Constitution because the only costs that may be incurred by a local agency or school district will be incurred because this act creates a new crime or infraction, eliminates a crime or infraction, or changes the penalty for a crime or infraction, within the meaning of Section 17556 of the Government Code, or changes the definition of a crime within the meaning of Section 6 of Article XIIIB of the California Constitution.
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3- Amended IN Assembly March 04, 2025 CALIFORNIA LEGISLATURE 20252026 REGULAR SESSION Assembly Bill No. 298Introduced by Assembly Member BontaJanuary 23, 2025An act to add Section 1367.55 to the Health and Safety Code, and to add Section 10123.187 to the Insurance Code, relating to health care coverage. LEGISLATIVE COUNSEL'S DIGESTAB 298, as amended, Bonta. Health care coverage cost sharing. Existing law, the Knox-Keene Health Care Service Plan Act of 1975, provides for the licensure and regulation of health care service plans by the Department of Managed Health Care and makes a willful violation of the acts requirements a crime. Existing law provides for the regulation of disability health insurers by the Department of Insurance. Existing law limits the copayment, coinsurance, deductible, and other cost sharing that may be imposed for specified health care services.This bill would prohibit a health care service plan contract or disability health insurance policy issued, amended, or renewed on or after January 1, 2026, from imposing a deductible, coinsurance, copayment, or other cost-sharing requirement for services in-network health care services, as defined, provided to an enrollee or insured under 21 years of age, except as otherwise specified. The bill would prohibit an individual or entity from billing or seeking reimbursement for in-network health care services provided to an enrollee or insured under 21 years of age, except as otherwise specified. Because a willful violation of these provisions by a health care service plan would be a crime, the bill would impose a state-mandated local program.The California Constitution requires the state to reimburse local agencies and school districts for certain costs mandated by the state. Statutory provisions establish procedures for making that reimbursement.This bill would provide that no reimbursement is required by this act for a specified reason.Digest Key Vote: MAJORITY Appropriation: NO Fiscal Committee: YES Local Program: YES
3+ CALIFORNIA LEGISLATURE 20252026 REGULAR SESSION Assembly Bill No. 298Introduced by Assembly Member BontaJanuary 23, 2025 An act to add Section 1367.55 to the Health and Safety Code, and to add Section 10123.187 to the Insurance Code, relating to health care coverage. LEGISLATIVE COUNSEL'S DIGESTAB 298, as introduced, Bonta. Health care coverage cost sharing. Existing law, the Knox-Keene Health Care Service Plan Act of 1975, provides for the licensure and regulation of health care service plans by the Department of Managed Health Care and makes a willful violation of the acts requirements a crime. Existing law provides for the regulation of disability insurers by the Department of Insurance. Existing law limits the copayment, coinsurance, deductible, and other cost sharing that may be imposed for specified health care services.This bill would prohibit a health care service plan contract or disability insurance policy issued, amended, or renewed on or after January 1, 2026, from imposing a deductible, coinsurance, copayment, or other cost-sharing requirement for services provided to an enrollee or insured under 21 years of age, except as otherwise specified. The bill would prohibit an individual or entity from billing or seeking reimbursement for services provided to an enrollee or insured under 21 years of age, except as otherwise specified. Because a willful violation of these provisions by a health care service plan would be a crime, the bill would impose a state-mandated local program.The California Constitution requires the state to reimburse local agencies and school districts for certain costs mandated by the state. Statutory provisions establish procedures for making that reimbursement.This bill would provide that no reimbursement is required by this act for a specified reason.Digest Key Vote: MAJORITY Appropriation: NO Fiscal Committee: YES Local Program: YES
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5- Amended IN Assembly March 04, 2025
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7-Amended IN Assembly March 04, 2025
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7+
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99 CALIFORNIA LEGISLATURE 20252026 REGULAR SESSION
1010
1111 Assembly Bill
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1313 No. 298
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1515 Introduced by Assembly Member BontaJanuary 23, 2025
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1717 Introduced by Assembly Member Bonta
1818 January 23, 2025
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2020 An act to add Section 1367.55 to the Health and Safety Code, and to add Section 10123.187 to the Insurance Code, relating to health care coverage.
2121
2222 LEGISLATIVE COUNSEL'S DIGEST
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2424 ## LEGISLATIVE COUNSEL'S DIGEST
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26-AB 298, as amended, Bonta. Health care coverage cost sharing.
26+AB 298, as introduced, Bonta. Health care coverage cost sharing.
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28-Existing law, the Knox-Keene Health Care Service Plan Act of 1975, provides for the licensure and regulation of health care service plans by the Department of Managed Health Care and makes a willful violation of the acts requirements a crime. Existing law provides for the regulation of disability health insurers by the Department of Insurance. Existing law limits the copayment, coinsurance, deductible, and other cost sharing that may be imposed for specified health care services.This bill would prohibit a health care service plan contract or disability health insurance policy issued, amended, or renewed on or after January 1, 2026, from imposing a deductible, coinsurance, copayment, or other cost-sharing requirement for services in-network health care services, as defined, provided to an enrollee or insured under 21 years of age, except as otherwise specified. The bill would prohibit an individual or entity from billing or seeking reimbursement for in-network health care services provided to an enrollee or insured under 21 years of age, except as otherwise specified. Because a willful violation of these provisions by a health care service plan would be a crime, the bill would impose a state-mandated local program.The California Constitution requires the state to reimburse local agencies and school districts for certain costs mandated by the state. Statutory provisions establish procedures for making that reimbursement.This bill would provide that no reimbursement is required by this act for a specified reason.
28+Existing law, the Knox-Keene Health Care Service Plan Act of 1975, provides for the licensure and regulation of health care service plans by the Department of Managed Health Care and makes a willful violation of the acts requirements a crime. Existing law provides for the regulation of disability insurers by the Department of Insurance. Existing law limits the copayment, coinsurance, deductible, and other cost sharing that may be imposed for specified health care services.This bill would prohibit a health care service plan contract or disability insurance policy issued, amended, or renewed on or after January 1, 2026, from imposing a deductible, coinsurance, copayment, or other cost-sharing requirement for services provided to an enrollee or insured under 21 years of age, except as otherwise specified. The bill would prohibit an individual or entity from billing or seeking reimbursement for services provided to an enrollee or insured under 21 years of age, except as otherwise specified. Because a willful violation of these provisions by a health care service plan would be a crime, the bill would impose a state-mandated local program.The California Constitution requires the state to reimburse local agencies and school districts for certain costs mandated by the state. Statutory provisions establish procedures for making that reimbursement.This bill would provide that no reimbursement is required by this act for a specified reason.
2929
30-Existing law, the Knox-Keene Health Care Service Plan Act of 1975, provides for the licensure and regulation of health care service plans by the Department of Managed Health Care and makes a willful violation of the acts requirements a crime. Existing law provides for the regulation of disability health insurers by the Department of Insurance. Existing law limits the copayment, coinsurance, deductible, and other cost sharing that may be imposed for specified health care services.
30+Existing law, the Knox-Keene Health Care Service Plan Act of 1975, provides for the licensure and regulation of health care service plans by the Department of Managed Health Care and makes a willful violation of the acts requirements a crime. Existing law provides for the regulation of disability insurers by the Department of Insurance. Existing law limits the copayment, coinsurance, deductible, and other cost sharing that may be imposed for specified health care services.
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32-This bill would prohibit a health care service plan contract or disability health insurance policy issued, amended, or renewed on or after January 1, 2026, from imposing a deductible, coinsurance, copayment, or other cost-sharing requirement for services in-network health care services, as defined, provided to an enrollee or insured under 21 years of age, except as otherwise specified. The bill would prohibit an individual or entity from billing or seeking reimbursement for in-network health care services provided to an enrollee or insured under 21 years of age, except as otherwise specified. Because a willful violation of these provisions by a health care service plan would be a crime, the bill would impose a state-mandated local program.
32+This bill would prohibit a health care service plan contract or disability insurance policy issued, amended, or renewed on or after January 1, 2026, from imposing a deductible, coinsurance, copayment, or other cost-sharing requirement for services provided to an enrollee or insured under 21 years of age, except as otherwise specified. The bill would prohibit an individual or entity from billing or seeking reimbursement for services provided to an enrollee or insured under 21 years of age, except as otherwise specified. Because a willful violation of these provisions by a health care service plan would be a crime, the bill would impose a state-mandated local program.
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3434 The California Constitution requires the state to reimburse local agencies and school districts for certain costs mandated by the state. Statutory provisions establish procedures for making that reimbursement.
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3636 This bill would provide that no reimbursement is required by this act for a specified reason.
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3838 ## Digest Key
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4040 ## Bill Text
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42-The people of the State of California do enact as follows:SECTION 1. Section 1367.55 is added to the Health and Safety Code, to read:1367.55. (a) A health care service plan contract issued, amended, or renewed on or after January 1, 2026, shall not impose a deductible, coinsurance, copayment, or other cost-sharing requirement for in-network health care services provided to an enrollee under 21 years of age, except as provided in subdivision (c). (b) An individual or entity shall not bill or seek reimbursement from an enrollee or contractholder for in-network health care services provided to an enrollee under 21 years of age, except as provided in subdivision (c).(c) In the case of a health care service plan contract that is a high deductible health plan qualifying as eligible for use in combination with a health savings account under the definition set forth in Section 223(c)(2) of Title 26 of the United States Code, the health care service plan contract shall not impose either of the following: (1) A deductible, coinsurance, copayment, or other cost-sharing requirement for preventive care services, as defined for purposes of Section 223(c)(2) of Title 26 of the United States Code, provided to an enrollee under 21 years of age.(2) Coinsurance, a copayment, or other cost-sharing requirement for in-network health care services provided to an enrollee under 21 years of age once a health care service plan contracts deductible has been satisfied for the plan year. (d) For purposes of this section, in-network health care services means all of the following: (1) Covered services provided by a contracting provider.(2) Covered services from a contracting health facility at which, or as a result of which, the enrollee receives services provided by a noncontracting provider.(3) Covered emergency services.(4) Covered services provided to an enrollee by a noncontracting provider when a contracting provider is not available to provide the service in accordance with the timely access requirements described in Section 1367.03. (e) This section does not expand or otherwise affect the scope of required coverage for out-of-network emergency services, except to the extent that cost-sharing requirements for covered out-of-network emergency services shall not be imposed on an enrollee under 21 years of age pursuant to subdivision (a). SEC. 2. Section 10123.187 is added to the Insurance Code, to read:10123.187. (a) A disability health insurance policy issued, amended, or renewed on or after January 1, 2026, shall not impose a deductible, coinsurance, copayment, or other cost-sharing requirement for in-network health care services provided to an insured under 21 years of age, except as provided in subdivision (c).(b) An individual or entity shall not bill or seek reimbursement from an insured or policyholder for in-network health care services provided to an insured under 21 years of age, except as provided in subdivision (c).(c) In the case of a disability health insurance policy that is a high deductible health plan qualifying as eligible for use in combination with a health savings account under the definition set forth in Section 223(c)(2) of Title 26 of the United States Code, the disability health insurance policy shall not impose either of the following:(1) A deductible, coinsurance, copayment, or other cost-sharing requirement for preventive care services, as defined for purposes of Section 223(c)(2) of Title 26 of the United States Code, provided to an insured under 21 years of age.(2) Coinsurance, a copayment, or other cost-sharing requirement for in-network health care services provided to an insured under 21 years of age once a disability health insurance policys deductible has been satisfied for the plan year.(d) For purposes of this section, in-network health care services means all of the following:(1) Covered services provided by a contracting provider.(2) Covered services from a contracting health facility at which, or as a result of which, the insured receives services provided by a noncontracting provider.(3) Covered emergency services.(4) Covered services provided to an insured by a noncontracting provider when a contracting provider is not available to provide the service in accordance with the timely access requirements described in Section 10133.54.(e) This section does not expand or otherwise affect the scope of required coverage for out-of-network emergency services, except to the extent that cost-sharing requirements for covered out-of-network emergency services shall not be imposed on an insured under 21 years of age pursuant to subdivision (a).SEC. 3. No reimbursement is required by this act pursuant to Section 6 of Article XIIIB of the California Constitution because the only costs that may be incurred by a local agency or school district will be incurred because this act creates a new crime or infraction, eliminates a crime or infraction, or changes the penalty for a crime or infraction, within the meaning of Section 17556 of the Government Code, or changes the definition of a crime within the meaning of Section 6 of Article XIIIB of the California Constitution.
42+The people of the State of California do enact as follows:SECTION 1. Section 1367.55 is added to the Health and Safety Code, to read:1367.55. (a) A health care service plan contract issued, amended, or renewed on or after January 1, 2026, shall not impose a deductible, coinsurance, copayment, or other cost-sharing requirement for services provided to an enrollee under 21 years of age, except as provided in subdivision (c). (b) An individual or entity shall not bill or seek reimbursement from an enrollee or contractholder for services provided to an enrollee under 21 years of age, except as provided in subdivision (c).(c) In the case of a health care service plan contract that is a high deductible health plan qualifying as eligible for use in combination with a health savings account under the definition set forth in Section 223(c)(2) of Title 26 of the United States Code, the health care service plan contract shall not impose either of the following: (1) A deductible, coinsurance, copayment, or other cost-sharing requirement for preventive care services, as defined for purposes of Section 223(c)(2) of Title 26 of the United States Code, provided to an enrollee under 21 years of age.(2) Coinsurance, a copayment, or other cost-sharing requirement for services provided to an enrollee under 21 years of age once a health care service plan contracts deductible has been satisfied for the plan year. SEC. 2. Section 10123.187 is added to the Insurance Code, to read:10123.187. (a) A disability insurance policy issued, amended, or renewed on or after January 1, 2026, shall not impose a deductible, coinsurance, copayment, or other cost-sharing requirement for services provided to an insured under 21 years of age, except as provided in subdivision (c).(b) An individual or entity shall not bill or seek reimbursement from an insured or policyholder for services provided to an insured under 21 years of age, except as provided in subdivision (c).(c) In the case of a disability insurance policy that is a high deductible health plan qualifying as eligible for use in combination with a health savings account under the definition set forth in Section 223(c)(2) of Title 26 of the United States Code, the disability insurance policy shall not impose either of the following:(1) A deductible, coinsurance, copayment, or other cost-sharing requirement for preventive care services, as defined for purposes of Section 223(c)(2) of Title 26 of the United States Code, provided to an insured under 21 years of age.(2) Coinsurance, a copayment, or other cost-sharing requirement for services provided to an insured under 21 years of age once a disability insurance policys deductible has been satisfied for the plan year.SEC. 3. No reimbursement is required by this act pursuant to Section 6 of Article XIIIB of the California Constitution because the only costs that may be incurred by a local agency or school district will be incurred because this act creates a new crime or infraction, eliminates a crime or infraction, or changes the penalty for a crime or infraction, within the meaning of Section 17556 of the Government Code, or changes the definition of a crime within the meaning of Section 6 of Article XIIIB of the California Constitution.
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4444 The people of the State of California do enact as follows:
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4646 ## The people of the State of California do enact as follows:
4747
48-SECTION 1. Section 1367.55 is added to the Health and Safety Code, to read:1367.55. (a) A health care service plan contract issued, amended, or renewed on or after January 1, 2026, shall not impose a deductible, coinsurance, copayment, or other cost-sharing requirement for in-network health care services provided to an enrollee under 21 years of age, except as provided in subdivision (c). (b) An individual or entity shall not bill or seek reimbursement from an enrollee or contractholder for in-network health care services provided to an enrollee under 21 years of age, except as provided in subdivision (c).(c) In the case of a health care service plan contract that is a high deductible health plan qualifying as eligible for use in combination with a health savings account under the definition set forth in Section 223(c)(2) of Title 26 of the United States Code, the health care service plan contract shall not impose either of the following: (1) A deductible, coinsurance, copayment, or other cost-sharing requirement for preventive care services, as defined for purposes of Section 223(c)(2) of Title 26 of the United States Code, provided to an enrollee under 21 years of age.(2) Coinsurance, a copayment, or other cost-sharing requirement for in-network health care services provided to an enrollee under 21 years of age once a health care service plan contracts deductible has been satisfied for the plan year. (d) For purposes of this section, in-network health care services means all of the following: (1) Covered services provided by a contracting provider.(2) Covered services from a contracting health facility at which, or as a result of which, the enrollee receives services provided by a noncontracting provider.(3) Covered emergency services.(4) Covered services provided to an enrollee by a noncontracting provider when a contracting provider is not available to provide the service in accordance with the timely access requirements described in Section 1367.03. (e) This section does not expand or otherwise affect the scope of required coverage for out-of-network emergency services, except to the extent that cost-sharing requirements for covered out-of-network emergency services shall not be imposed on an enrollee under 21 years of age pursuant to subdivision (a).
48+SECTION 1. Section 1367.55 is added to the Health and Safety Code, to read:1367.55. (a) A health care service plan contract issued, amended, or renewed on or after January 1, 2026, shall not impose a deductible, coinsurance, copayment, or other cost-sharing requirement for services provided to an enrollee under 21 years of age, except as provided in subdivision (c). (b) An individual or entity shall not bill or seek reimbursement from an enrollee or contractholder for services provided to an enrollee under 21 years of age, except as provided in subdivision (c).(c) In the case of a health care service plan contract that is a high deductible health plan qualifying as eligible for use in combination with a health savings account under the definition set forth in Section 223(c)(2) of Title 26 of the United States Code, the health care service plan contract shall not impose either of the following: (1) A deductible, coinsurance, copayment, or other cost-sharing requirement for preventive care services, as defined for purposes of Section 223(c)(2) of Title 26 of the United States Code, provided to an enrollee under 21 years of age.(2) Coinsurance, a copayment, or other cost-sharing requirement for services provided to an enrollee under 21 years of age once a health care service plan contracts deductible has been satisfied for the plan year.
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5050 SECTION 1. Section 1367.55 is added to the Health and Safety Code, to read:
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5252 ### SECTION 1.
5353
54-1367.55. (a) A health care service plan contract issued, amended, or renewed on or after January 1, 2026, shall not impose a deductible, coinsurance, copayment, or other cost-sharing requirement for in-network health care services provided to an enrollee under 21 years of age, except as provided in subdivision (c). (b) An individual or entity shall not bill or seek reimbursement from an enrollee or contractholder for in-network health care services provided to an enrollee under 21 years of age, except as provided in subdivision (c).(c) In the case of a health care service plan contract that is a high deductible health plan qualifying as eligible for use in combination with a health savings account under the definition set forth in Section 223(c)(2) of Title 26 of the United States Code, the health care service plan contract shall not impose either of the following: (1) A deductible, coinsurance, copayment, or other cost-sharing requirement for preventive care services, as defined for purposes of Section 223(c)(2) of Title 26 of the United States Code, provided to an enrollee under 21 years of age.(2) Coinsurance, a copayment, or other cost-sharing requirement for in-network health care services provided to an enrollee under 21 years of age once a health care service plan contracts deductible has been satisfied for the plan year. (d) For purposes of this section, in-network health care services means all of the following: (1) Covered services provided by a contracting provider.(2) Covered services from a contracting health facility at which, or as a result of which, the enrollee receives services provided by a noncontracting provider.(3) Covered emergency services.(4) Covered services provided to an enrollee by a noncontracting provider when a contracting provider is not available to provide the service in accordance with the timely access requirements described in Section 1367.03. (e) This section does not expand or otherwise affect the scope of required coverage for out-of-network emergency services, except to the extent that cost-sharing requirements for covered out-of-network emergency services shall not be imposed on an enrollee under 21 years of age pursuant to subdivision (a).
54+1367.55. (a) A health care service plan contract issued, amended, or renewed on or after January 1, 2026, shall not impose a deductible, coinsurance, copayment, or other cost-sharing requirement for services provided to an enrollee under 21 years of age, except as provided in subdivision (c). (b) An individual or entity shall not bill or seek reimbursement from an enrollee or contractholder for services provided to an enrollee under 21 years of age, except as provided in subdivision (c).(c) In the case of a health care service plan contract that is a high deductible health plan qualifying as eligible for use in combination with a health savings account under the definition set forth in Section 223(c)(2) of Title 26 of the United States Code, the health care service plan contract shall not impose either of the following: (1) A deductible, coinsurance, copayment, or other cost-sharing requirement for preventive care services, as defined for purposes of Section 223(c)(2) of Title 26 of the United States Code, provided to an enrollee under 21 years of age.(2) Coinsurance, a copayment, or other cost-sharing requirement for services provided to an enrollee under 21 years of age once a health care service plan contracts deductible has been satisfied for the plan year.
5555
56-1367.55. (a) A health care service plan contract issued, amended, or renewed on or after January 1, 2026, shall not impose a deductible, coinsurance, copayment, or other cost-sharing requirement for in-network health care services provided to an enrollee under 21 years of age, except as provided in subdivision (c). (b) An individual or entity shall not bill or seek reimbursement from an enrollee or contractholder for in-network health care services provided to an enrollee under 21 years of age, except as provided in subdivision (c).(c) In the case of a health care service plan contract that is a high deductible health plan qualifying as eligible for use in combination with a health savings account under the definition set forth in Section 223(c)(2) of Title 26 of the United States Code, the health care service plan contract shall not impose either of the following: (1) A deductible, coinsurance, copayment, or other cost-sharing requirement for preventive care services, as defined for purposes of Section 223(c)(2) of Title 26 of the United States Code, provided to an enrollee under 21 years of age.(2) Coinsurance, a copayment, or other cost-sharing requirement for in-network health care services provided to an enrollee under 21 years of age once a health care service plan contracts deductible has been satisfied for the plan year. (d) For purposes of this section, in-network health care services means all of the following: (1) Covered services provided by a contracting provider.(2) Covered services from a contracting health facility at which, or as a result of which, the enrollee receives services provided by a noncontracting provider.(3) Covered emergency services.(4) Covered services provided to an enrollee by a noncontracting provider when a contracting provider is not available to provide the service in accordance with the timely access requirements described in Section 1367.03. (e) This section does not expand or otherwise affect the scope of required coverage for out-of-network emergency services, except to the extent that cost-sharing requirements for covered out-of-network emergency services shall not be imposed on an enrollee under 21 years of age pursuant to subdivision (a).
56+1367.55. (a) A health care service plan contract issued, amended, or renewed on or after January 1, 2026, shall not impose a deductible, coinsurance, copayment, or other cost-sharing requirement for services provided to an enrollee under 21 years of age, except as provided in subdivision (c). (b) An individual or entity shall not bill or seek reimbursement from an enrollee or contractholder for services provided to an enrollee under 21 years of age, except as provided in subdivision (c).(c) In the case of a health care service plan contract that is a high deductible health plan qualifying as eligible for use in combination with a health savings account under the definition set forth in Section 223(c)(2) of Title 26 of the United States Code, the health care service plan contract shall not impose either of the following: (1) A deductible, coinsurance, copayment, or other cost-sharing requirement for preventive care services, as defined for purposes of Section 223(c)(2) of Title 26 of the United States Code, provided to an enrollee under 21 years of age.(2) Coinsurance, a copayment, or other cost-sharing requirement for services provided to an enrollee under 21 years of age once a health care service plan contracts deductible has been satisfied for the plan year.
5757
58-1367.55. (a) A health care service plan contract issued, amended, or renewed on or after January 1, 2026, shall not impose a deductible, coinsurance, copayment, or other cost-sharing requirement for in-network health care services provided to an enrollee under 21 years of age, except as provided in subdivision (c). (b) An individual or entity shall not bill or seek reimbursement from an enrollee or contractholder for in-network health care services provided to an enrollee under 21 years of age, except as provided in subdivision (c).(c) In the case of a health care service plan contract that is a high deductible health plan qualifying as eligible for use in combination with a health savings account under the definition set forth in Section 223(c)(2) of Title 26 of the United States Code, the health care service plan contract shall not impose either of the following: (1) A deductible, coinsurance, copayment, or other cost-sharing requirement for preventive care services, as defined for purposes of Section 223(c)(2) of Title 26 of the United States Code, provided to an enrollee under 21 years of age.(2) Coinsurance, a copayment, or other cost-sharing requirement for in-network health care services provided to an enrollee under 21 years of age once a health care service plan contracts deductible has been satisfied for the plan year. (d) For purposes of this section, in-network health care services means all of the following: (1) Covered services provided by a contracting provider.(2) Covered services from a contracting health facility at which, or as a result of which, the enrollee receives services provided by a noncontracting provider.(3) Covered emergency services.(4) Covered services provided to an enrollee by a noncontracting provider when a contracting provider is not available to provide the service in accordance with the timely access requirements described in Section 1367.03. (e) This section does not expand or otherwise affect the scope of required coverage for out-of-network emergency services, except to the extent that cost-sharing requirements for covered out-of-network emergency services shall not be imposed on an enrollee under 21 years of age pursuant to subdivision (a).
58+1367.55. (a) A health care service plan contract issued, amended, or renewed on or after January 1, 2026, shall not impose a deductible, coinsurance, copayment, or other cost-sharing requirement for services provided to an enrollee under 21 years of age, except as provided in subdivision (c). (b) An individual or entity shall not bill or seek reimbursement from an enrollee or contractholder for services provided to an enrollee under 21 years of age, except as provided in subdivision (c).(c) In the case of a health care service plan contract that is a high deductible health plan qualifying as eligible for use in combination with a health savings account under the definition set forth in Section 223(c)(2) of Title 26 of the United States Code, the health care service plan contract shall not impose either of the following: (1) A deductible, coinsurance, copayment, or other cost-sharing requirement for preventive care services, as defined for purposes of Section 223(c)(2) of Title 26 of the United States Code, provided to an enrollee under 21 years of age.(2) Coinsurance, a copayment, or other cost-sharing requirement for services provided to an enrollee under 21 years of age once a health care service plan contracts deductible has been satisfied for the plan year.
5959
6060
6161
62-1367.55. (a) A health care service plan contract issued, amended, or renewed on or after January 1, 2026, shall not impose a deductible, coinsurance, copayment, or other cost-sharing requirement for in-network health care services provided to an enrollee under 21 years of age, except as provided in subdivision (c).
62+1367.55. (a) A health care service plan contract issued, amended, or renewed on or after January 1, 2026, shall not impose a deductible, coinsurance, copayment, or other cost-sharing requirement for services provided to an enrollee under 21 years of age, except as provided in subdivision (c).
6363
64-(b) An individual or entity shall not bill or seek reimbursement from an enrollee or contractholder for in-network health care services provided to an enrollee under 21 years of age, except as provided in subdivision (c).
64+(b) An individual or entity shall not bill or seek reimbursement from an enrollee or contractholder for services provided to an enrollee under 21 years of age, except as provided in subdivision (c).
6565
6666 (c) In the case of a health care service plan contract that is a high deductible health plan qualifying as eligible for use in combination with a health savings account under the definition set forth in Section 223(c)(2) of Title 26 of the United States Code, the health care service plan contract shall not impose either of the following:
6767
6868 (1) A deductible, coinsurance, copayment, or other cost-sharing requirement for preventive care services, as defined for purposes of Section 223(c)(2) of Title 26 of the United States Code, provided to an enrollee under 21 years of age.
6969
70-(2) Coinsurance, a copayment, or other cost-sharing requirement for in-network health care services provided to an enrollee under 21 years of age once a health care service plan contracts deductible has been satisfied for the plan year.
70+(2) Coinsurance, a copayment, or other cost-sharing requirement for services provided to an enrollee under 21 years of age once a health care service plan contracts deductible has been satisfied for the plan year.
7171
72-(d) For purposes of this section, in-network health care services means all of the following:
73-
74-(1) Covered services provided by a contracting provider.
75-
76-(2) Covered services from a contracting health facility at which, or as a result of which, the enrollee receives services provided by a noncontracting provider.
77-
78-(3) Covered emergency services.
79-
80-(4) Covered services provided to an enrollee by a noncontracting provider when a contracting provider is not available to provide the service in accordance with the timely access requirements described in Section 1367.03.
81-
82-(e) This section does not expand or otherwise affect the scope of required coverage for out-of-network emergency services, except to the extent that cost-sharing requirements for covered out-of-network emergency services shall not be imposed on an enrollee under 21 years of age pursuant to subdivision (a).
83-
84-SEC. 2. Section 10123.187 is added to the Insurance Code, to read:10123.187. (a) A disability health insurance policy issued, amended, or renewed on or after January 1, 2026, shall not impose a deductible, coinsurance, copayment, or other cost-sharing requirement for in-network health care services provided to an insured under 21 years of age, except as provided in subdivision (c).(b) An individual or entity shall not bill or seek reimbursement from an insured or policyholder for in-network health care services provided to an insured under 21 years of age, except as provided in subdivision (c).(c) In the case of a disability health insurance policy that is a high deductible health plan qualifying as eligible for use in combination with a health savings account under the definition set forth in Section 223(c)(2) of Title 26 of the United States Code, the disability health insurance policy shall not impose either of the following:(1) A deductible, coinsurance, copayment, or other cost-sharing requirement for preventive care services, as defined for purposes of Section 223(c)(2) of Title 26 of the United States Code, provided to an insured under 21 years of age.(2) Coinsurance, a copayment, or other cost-sharing requirement for in-network health care services provided to an insured under 21 years of age once a disability health insurance policys deductible has been satisfied for the plan year.(d) For purposes of this section, in-network health care services means all of the following:(1) Covered services provided by a contracting provider.(2) Covered services from a contracting health facility at which, or as a result of which, the insured receives services provided by a noncontracting provider.(3) Covered emergency services.(4) Covered services provided to an insured by a noncontracting provider when a contracting provider is not available to provide the service in accordance with the timely access requirements described in Section 10133.54.(e) This section does not expand or otherwise affect the scope of required coverage for out-of-network emergency services, except to the extent that cost-sharing requirements for covered out-of-network emergency services shall not be imposed on an insured under 21 years of age pursuant to subdivision (a).
72+SEC. 2. Section 10123.187 is added to the Insurance Code, to read:10123.187. (a) A disability insurance policy issued, amended, or renewed on or after January 1, 2026, shall not impose a deductible, coinsurance, copayment, or other cost-sharing requirement for services provided to an insured under 21 years of age, except as provided in subdivision (c).(b) An individual or entity shall not bill or seek reimbursement from an insured or policyholder for services provided to an insured under 21 years of age, except as provided in subdivision (c).(c) In the case of a disability insurance policy that is a high deductible health plan qualifying as eligible for use in combination with a health savings account under the definition set forth in Section 223(c)(2) of Title 26 of the United States Code, the disability insurance policy shall not impose either of the following:(1) A deductible, coinsurance, copayment, or other cost-sharing requirement for preventive care services, as defined for purposes of Section 223(c)(2) of Title 26 of the United States Code, provided to an insured under 21 years of age.(2) Coinsurance, a copayment, or other cost-sharing requirement for services provided to an insured under 21 years of age once a disability insurance policys deductible has been satisfied for the plan year.
8573
8674 SEC. 2. Section 10123.187 is added to the Insurance Code, to read:
8775
8876 ### SEC. 2.
8977
90-10123.187. (a) A disability health insurance policy issued, amended, or renewed on or after January 1, 2026, shall not impose a deductible, coinsurance, copayment, or other cost-sharing requirement for in-network health care services provided to an insured under 21 years of age, except as provided in subdivision (c).(b) An individual or entity shall not bill or seek reimbursement from an insured or policyholder for in-network health care services provided to an insured under 21 years of age, except as provided in subdivision (c).(c) In the case of a disability health insurance policy that is a high deductible health plan qualifying as eligible for use in combination with a health savings account under the definition set forth in Section 223(c)(2) of Title 26 of the United States Code, the disability health insurance policy shall not impose either of the following:(1) A deductible, coinsurance, copayment, or other cost-sharing requirement for preventive care services, as defined for purposes of Section 223(c)(2) of Title 26 of the United States Code, provided to an insured under 21 years of age.(2) Coinsurance, a copayment, or other cost-sharing requirement for in-network health care services provided to an insured under 21 years of age once a disability health insurance policys deductible has been satisfied for the plan year.(d) For purposes of this section, in-network health care services means all of the following:(1) Covered services provided by a contracting provider.(2) Covered services from a contracting health facility at which, or as a result of which, the insured receives services provided by a noncontracting provider.(3) Covered emergency services.(4) Covered services provided to an insured by a noncontracting provider when a contracting provider is not available to provide the service in accordance with the timely access requirements described in Section 10133.54.(e) This section does not expand or otherwise affect the scope of required coverage for out-of-network emergency services, except to the extent that cost-sharing requirements for covered out-of-network emergency services shall not be imposed on an insured under 21 years of age pursuant to subdivision (a).
78+10123.187. (a) A disability insurance policy issued, amended, or renewed on or after January 1, 2026, shall not impose a deductible, coinsurance, copayment, or other cost-sharing requirement for services provided to an insured under 21 years of age, except as provided in subdivision (c).(b) An individual or entity shall not bill or seek reimbursement from an insured or policyholder for services provided to an insured under 21 years of age, except as provided in subdivision (c).(c) In the case of a disability insurance policy that is a high deductible health plan qualifying as eligible for use in combination with a health savings account under the definition set forth in Section 223(c)(2) of Title 26 of the United States Code, the disability insurance policy shall not impose either of the following:(1) A deductible, coinsurance, copayment, or other cost-sharing requirement for preventive care services, as defined for purposes of Section 223(c)(2) of Title 26 of the United States Code, provided to an insured under 21 years of age.(2) Coinsurance, a copayment, or other cost-sharing requirement for services provided to an insured under 21 years of age once a disability insurance policys deductible has been satisfied for the plan year.
9179
92-10123.187. (a) A disability health insurance policy issued, amended, or renewed on or after January 1, 2026, shall not impose a deductible, coinsurance, copayment, or other cost-sharing requirement for in-network health care services provided to an insured under 21 years of age, except as provided in subdivision (c).(b) An individual or entity shall not bill or seek reimbursement from an insured or policyholder for in-network health care services provided to an insured under 21 years of age, except as provided in subdivision (c).(c) In the case of a disability health insurance policy that is a high deductible health plan qualifying as eligible for use in combination with a health savings account under the definition set forth in Section 223(c)(2) of Title 26 of the United States Code, the disability health insurance policy shall not impose either of the following:(1) A deductible, coinsurance, copayment, or other cost-sharing requirement for preventive care services, as defined for purposes of Section 223(c)(2) of Title 26 of the United States Code, provided to an insured under 21 years of age.(2) Coinsurance, a copayment, or other cost-sharing requirement for in-network health care services provided to an insured under 21 years of age once a disability health insurance policys deductible has been satisfied for the plan year.(d) For purposes of this section, in-network health care services means all of the following:(1) Covered services provided by a contracting provider.(2) Covered services from a contracting health facility at which, or as a result of which, the insured receives services provided by a noncontracting provider.(3) Covered emergency services.(4) Covered services provided to an insured by a noncontracting provider when a contracting provider is not available to provide the service in accordance with the timely access requirements described in Section 10133.54.(e) This section does not expand or otherwise affect the scope of required coverage for out-of-network emergency services, except to the extent that cost-sharing requirements for covered out-of-network emergency services shall not be imposed on an insured under 21 years of age pursuant to subdivision (a).
80+10123.187. (a) A disability insurance policy issued, amended, or renewed on or after January 1, 2026, shall not impose a deductible, coinsurance, copayment, or other cost-sharing requirement for services provided to an insured under 21 years of age, except as provided in subdivision (c).(b) An individual or entity shall not bill or seek reimbursement from an insured or policyholder for services provided to an insured under 21 years of age, except as provided in subdivision (c).(c) In the case of a disability insurance policy that is a high deductible health plan qualifying as eligible for use in combination with a health savings account under the definition set forth in Section 223(c)(2) of Title 26 of the United States Code, the disability insurance policy shall not impose either of the following:(1) A deductible, coinsurance, copayment, or other cost-sharing requirement for preventive care services, as defined for purposes of Section 223(c)(2) of Title 26 of the United States Code, provided to an insured under 21 years of age.(2) Coinsurance, a copayment, or other cost-sharing requirement for services provided to an insured under 21 years of age once a disability insurance policys deductible has been satisfied for the plan year.
9381
94-10123.187. (a) A disability health insurance policy issued, amended, or renewed on or after January 1, 2026, shall not impose a deductible, coinsurance, copayment, or other cost-sharing requirement for in-network health care services provided to an insured under 21 years of age, except as provided in subdivision (c).(b) An individual or entity shall not bill or seek reimbursement from an insured or policyholder for in-network health care services provided to an insured under 21 years of age, except as provided in subdivision (c).(c) In the case of a disability health insurance policy that is a high deductible health plan qualifying as eligible for use in combination with a health savings account under the definition set forth in Section 223(c)(2) of Title 26 of the United States Code, the disability health insurance policy shall not impose either of the following:(1) A deductible, coinsurance, copayment, or other cost-sharing requirement for preventive care services, as defined for purposes of Section 223(c)(2) of Title 26 of the United States Code, provided to an insured under 21 years of age.(2) Coinsurance, a copayment, or other cost-sharing requirement for in-network health care services provided to an insured under 21 years of age once a disability health insurance policys deductible has been satisfied for the plan year.(d) For purposes of this section, in-network health care services means all of the following:(1) Covered services provided by a contracting provider.(2) Covered services from a contracting health facility at which, or as a result of which, the insured receives services provided by a noncontracting provider.(3) Covered emergency services.(4) Covered services provided to an insured by a noncontracting provider when a contracting provider is not available to provide the service in accordance with the timely access requirements described in Section 10133.54.(e) This section does not expand or otherwise affect the scope of required coverage for out-of-network emergency services, except to the extent that cost-sharing requirements for covered out-of-network emergency services shall not be imposed on an insured under 21 years of age pursuant to subdivision (a).
82+10123.187. (a) A disability insurance policy issued, amended, or renewed on or after January 1, 2026, shall not impose a deductible, coinsurance, copayment, or other cost-sharing requirement for services provided to an insured under 21 years of age, except as provided in subdivision (c).(b) An individual or entity shall not bill or seek reimbursement from an insured or policyholder for services provided to an insured under 21 years of age, except as provided in subdivision (c).(c) In the case of a disability insurance policy that is a high deductible health plan qualifying as eligible for use in combination with a health savings account under the definition set forth in Section 223(c)(2) of Title 26 of the United States Code, the disability insurance policy shall not impose either of the following:(1) A deductible, coinsurance, copayment, or other cost-sharing requirement for preventive care services, as defined for purposes of Section 223(c)(2) of Title 26 of the United States Code, provided to an insured under 21 years of age.(2) Coinsurance, a copayment, or other cost-sharing requirement for services provided to an insured under 21 years of age once a disability insurance policys deductible has been satisfied for the plan year.
9583
9684
9785
98-10123.187. (a) A disability health insurance policy issued, amended, or renewed on or after January 1, 2026, shall not impose a deductible, coinsurance, copayment, or other cost-sharing requirement for in-network health care services provided to an insured under 21 years of age, except as provided in subdivision (c).
86+10123.187. (a) A disability insurance policy issued, amended, or renewed on or after January 1, 2026, shall not impose a deductible, coinsurance, copayment, or other cost-sharing requirement for services provided to an insured under 21 years of age, except as provided in subdivision (c).
9987
100-(b) An individual or entity shall not bill or seek reimbursement from an insured or policyholder for in-network health care services provided to an insured under 21 years of age, except as provided in subdivision (c).
88+(b) An individual or entity shall not bill or seek reimbursement from an insured or policyholder for services provided to an insured under 21 years of age, except as provided in subdivision (c).
10189
102-(c) In the case of a disability health insurance policy that is a high deductible health plan qualifying as eligible for use in combination with a health savings account under the definition set forth in Section 223(c)(2) of Title 26 of the United States Code, the disability health insurance policy shall not impose either of the following:
90+(c) In the case of a disability insurance policy that is a high deductible health plan qualifying as eligible for use in combination with a health savings account under the definition set forth in Section 223(c)(2) of Title 26 of the United States Code, the disability insurance policy shall not impose either of the following:
10391
10492 (1) A deductible, coinsurance, copayment, or other cost-sharing requirement for preventive care services, as defined for purposes of Section 223(c)(2) of Title 26 of the United States Code, provided to an insured under 21 years of age.
10593
106-(2) Coinsurance, a copayment, or other cost-sharing requirement for in-network health care services provided to an insured under 21 years of age once a disability health insurance policys deductible has been satisfied for the plan year.
107-
108-(d) For purposes of this section, in-network health care services means all of the following:
109-
110-(1) Covered services provided by a contracting provider.
111-
112-(2) Covered services from a contracting health facility at which, or as a result of which, the insured receives services provided by a noncontracting provider.
113-
114-(3) Covered emergency services.
115-
116-(4) Covered services provided to an insured by a noncontracting provider when a contracting provider is not available to provide the service in accordance with the timely access requirements described in Section 10133.54.
117-
118-(e) This section does not expand or otherwise affect the scope of required coverage for out-of-network emergency services, except to the extent that cost-sharing requirements for covered out-of-network emergency services shall not be imposed on an insured under 21 years of age pursuant to subdivision (a).
94+(2) Coinsurance, a copayment, or other cost-sharing requirement for services provided to an insured under 21 years of age once a disability insurance policys deductible has been satisfied for the plan year.
11995
12096 SEC. 3. No reimbursement is required by this act pursuant to Section 6 of Article XIIIB of the California Constitution because the only costs that may be incurred by a local agency or school district will be incurred because this act creates a new crime or infraction, eliminates a crime or infraction, or changes the penalty for a crime or infraction, within the meaning of Section 17556 of the Government Code, or changes the definition of a crime within the meaning of Section 6 of Article XIIIB of the California Constitution.
12197
12298 SEC. 3. No reimbursement is required by this act pursuant to Section 6 of Article XIIIB of the California Constitution because the only costs that may be incurred by a local agency or school district will be incurred because this act creates a new crime or infraction, eliminates a crime or infraction, or changes the penalty for a crime or infraction, within the meaning of Section 17556 of the Government Code, or changes the definition of a crime within the meaning of Section 6 of Article XIIIB of the California Constitution.
12399
124100 SEC. 3. No reimbursement is required by this act pursuant to Section 6 of Article XIIIB of the California Constitution because the only costs that may be incurred by a local agency or school district will be incurred because this act creates a new crime or infraction, eliminates a crime or infraction, or changes the penalty for a crime or infraction, within the meaning of Section 17556 of the Government Code, or changes the definition of a crime within the meaning of Section 6 of Article XIIIB of the California Constitution.
125101
126102 ### SEC. 3.