Adds to existing law to establish provisions regarding certain out-of-pocket payments for health care services.

This bill amends Idaho Code to add section 41-1854, prohibiting health carriers from preventing providers from offering discounted cash prices to insured individuals for health care services. It allows covered people to pay out-of-pocket at negotiated rates lower than the plan's average allowed amount, with such payments counting toward deductibles and annual out-of-pocket maximums upon submission of required documentation. Providers must accept cash payments as full settlement. Exemptions apply to specified plans like dental-only, Medicaid, and short-term insurance. Effective July 1, 2026.