Iowa House Bill HF443

Iowa 2025-2026 Regular Session

• Introduced: 2/18/25
• Refer: 2/18/25

Caption

A bill for an act relating to health insurance coverage for assertive community treatment services.

Impact

If enacted, HF443 will affect various health insurance arrangements, including individual and group accident and sickness policies, hospital service contracts, and health maintenance organizations. Notably, the bill excludes certain types of insurance products such as accident-only and dental plans, streamlining the focus on comprehensive health coverage. This legislative measure represents a significant step forward in the state’s approach to mental health care, ensuring that families can access essential services without incurring prohibitive out-of-pocket costs.

Summary

House File 443 aims to mandate coverage for assertive community treatment (ACT) services within health benefit plans for dependents. This legislative proposal is particularly focused on augmenting mental health services accessibility by ensuring that individuals receiving ACT services, which are crucial for those with severe mental illness, are covered under their respective health insurance plans. The bill specifies that the coverage is applicable only if the treatment services are provided by a certified and compliant ACT provider, promoting a standard of care among practitioners listed under Iowa's medical assistance program.

Contention

While there is a general consensus that assertive community treatment is beneficial for improving mental health outcomes, discussions around HF443 may include debates about implementation challenges and potential financial implications for health insurance providers. Some stakeholders might raise concerns regarding the costs associated with expanding coverage and how it could affect premiums or the availability of different insurance plans. Additionally, ensuring that all ACT providers meet the necessary qualifications to participate in this program could lead to further considerations about regulatory measures and provider standards.