KRS 304.1-200: Definitions for section -- Applicability of cost -sharing requirements to

health savings account-qualified insurance plans.

(1) As used in this section:

(a) "Cost-sharing requirement" means a:

1. Prohibition outright on the imposition of any deductible, copayment,

coinsurance, or other out-of-pocket expense, other than premiums, under

a health insurance policy, certificate, plan, or contract; or

2. Limitation on the amount of any deductible, copayment, coinsurance, or

other out-of-pocket expense, other than premiums, that is imposed under

a health insurance policy, certificate, plan, or contract;

(b) "Enrollee":

1. Means an individual who is enrolled in health insurance, whether on an

individual or a group basis; and

2. Includes any covered de pendent of an individual referenced in

subparagraph 1. of this paragraph; and

(c) "Health savings account -qualified insurance plan" means a high deductible

health plan that covers individuals who may be entitled to receive certain tax

benefits under 26 U.S .C. sec. 223, as amended, with respect to contributions

made to a health savings account.

(2) If, under federal law, the application of any cost -sharing requirement in this chapter

or any other state law would cause an enrollee's health savings account -qualified

insurance plan to no longer qualify as a high deductible health plan under 26 U.S.C.

sec. 223, as amended, then the cost -sharing requirement shall only apply to the

enrollee's plan once the minimum deductible under 26 U.S.C. sec. 223, as amended,

has been satisfied.

(3) In the event of a conflict between this section and any other state law, this section

shall control.