The lobby representing state insurance commissioners is pushing the administration and Congress to clarify or update federal rules on health savings accounts to ensure that cost-sharing requirements enacted by state lawmakers, like pre-deductible coverage or bans on so-called copay accumulators, can apply to residents enrolled in state-regulated high-deductible health plans (HDHPs) who contribute to health savings accounts (HSAs). Current IRS rules bar HDHPs from covering most items or services prior to the minimum annual deductible ($1,500 for 2023) to be...