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HF 443

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

2025-2026 Regular Session Introduced by Ann Meyer

HF 443 mandates health insurance coverage for assertive community treatment services for dependents, improving mental health support and access for families starting January 1, 2026.

Introduced, referred to Commerce.
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Bill Summary · HF 443

Summary of Bill HF 443

Bill Number: HF 443
Title: A bill for an act relating to health insurance coverage for assertive community treatment services.
Status: Introduced, referred to Commerce.
Introduced Date: February 18, 2025
Classification: Bill
Subject: Health Insurance

Purpose and Intent

Bill HF 443 aims to mandate health insurance coverage for assertive community treatment (ACT) services provided to dependents of covered persons. The intent is to ensure that individuals receiving mental health treatment through ACT services have access to necessary insurance coverage, thereby improving their overall health outcomes and support systems.

Key Provisions

  1. Definitions:

    • Covered Person: Refers to policyholders, subscribers, enrollees, or any individual participating in a health benefit plan.
    • Dependent: A dependent of a covered person.
    • Health Benefit Plan: Defined as per section 510B.1.

  2. Coverage Requirement:

    • Health benefit plans must provide coverage for assertive community treatment services for dependents receiving such services from an ACT provider that is enrolled in and in good standing with the medical assistance program under chapter 249A.

  3. Applicability:

    • The coverage requirement applies to various classes of third-party payment provider contracts, policies, or plans that are delivered, issued for delivery, continued, or renewed in the state on or after January 1, 2026. This includes:
      • Individual or group accident and sickness insurance.
      • Individual or group hospital or medical service contracts.
      • Individual or group health maintenance organization contracts.
      • Plans established for public employees.

  4. Exclusions:

    • The section does not apply to:
      • Accident-only insurance.
      • Specified disease coverage.
      • Short-term hospital or medical coverage.
      • Hospital confinement indemnity.
      • Credit, dental, vision, Medicare supplement, long-term care, basic hospital and medical-surgical expense coverage, disability income insurance, and other specified types of coverage as defined by the commissioner of insurance.

Impact

  • Who is Affected: The bill primarily affects dependents of covered persons who require assertive community treatment services. It also impacts health insurance providers and plans operating within the state, as they will need to adjust their policies to comply with the new coverage requirements.

  • Timeline: The provisions of this bill will take effect for plans delivered or renewed on or after January 1, 2026, allowing time for insurance providers to implement necessary changes.

Conclusion

HF 443 seeks to enhance mental health support for dependents by ensuring that assertive community treatment services are covered by health insurance plans. This legislation reflects a commitment to improving access to mental health care and supporting families in need of these essential services.

Compiled from official sources — confirm details with the bill’s official record.

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