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Preventative Care for HDHPs is Expanded to Include Chronic Conditions

preventative care

2 minute read

The IRS has expanded the scope of preventative care benefits for some chronic conditions that can be provided by high deductible health plans (HDHP) without a deductible.

Individuals who are covered by an HDHP generally may establish and make contributions to a health savings account (HSA). To quality as an HDHP, the plan can’t provide benefits for any year until a minimum deductible is met. However, an HDHP can provide preventative care benefits without using a deductible. This includes certain medical services and medications used to treat chronic conditions like asthma, depression, diabetes, and congestive heart failure.

This change is in response to President Trump’s executive order last month regarding increased health care transparency.

Public sector organizations may want to review their plans and confer with their broker/consultant to determine how their plans cover preventative care benefits. For more information, contact your Employee Benefits Consultant.


Preventive Care for Specific Conditions

For Individuals Diagnosed with

Angiotensin converting enzyme (ACE) inhibitors

Congestive heart failure, diabetes and/or coronary

Anti-resorptive therapy

Osteoporosis and/or osteopenia



Congestive heart failure and/or coronary artery disease

Blood pressure monitor


Inhaled corticosteroids


Peak flow meter

Insulin and other glucose-lowering agents






Retinopathy screening


Hemoglobin A1c testing

International normalized ratio (INR) testing

Liver disease and/or bleeding disorders

Low-density lipoprotein (LDL) testing

Heart disease

Selective serotonin reuptake inhibitors (SSRIs)



Additional Resources

Bulletin - IRS Expands Preventive Care for HDHPs to Include Chronic Conditions

IRS Notice 2019-45


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National Insurance Services is not a law firm and no opinion, suggestion, or recommendation of the firm or its employees shall constitute legal advice. Readers are advised to consult with their own attorney for a determination of their legal rights, responsibilities and liabilities, including the interpretation of any statute or regulation, or its application to the readers’ business activities.

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Steve Smith

Steve Smith

Steve Smith, Employee Benefits Consultant for National Insurance Services, has his energy level permanently set at “high.” His maxim is “work hard, play hard.” Steve’s an expert in getting groups of people working together for a higher cause. Minnesota schools, cities, and counties rely on Steve’s unique and creative ideas of engaging employees in their own health and wellness to lower utilization trends. He has 20+ years in the health insurance field doing compliance, cost mitigation, utilization, analytics, wellness plans, and strategic planning. Steve is a licensed insurance agent and holds the designations for Managed Healthcare Professional (The Health Insurance Association of America), Certified Patient Protection and Affordable Care Act Professional (National Association of Health Underwriters), and Group Benefits Disability Specialist (Hartford School of Insurance). He specializes in Employee Benefits Consulting for Minnesota schools, cities, and counties including fully insured, self-insured, and stop-loss plans.