HB 4046 revises cost-sharing requirements for emergency care under health benefit plans. It requires insurers to pay the full amount for covered emergency care, including the enrollee’s cost-sharing liability, and prohibits insurers from withholding cost-sharing amounts from provider payments. The bill also bars insurers from canceling health plans due to unpaid cost-sharing amounts for emergency services and prevents them from using compliance costs as a reason to increase premiums. Additionally, the bill mandates detailed disclosure of emergency care cost-sharing in insurance benefit statements. These changes apply only to health plans issued or renewed on or after January 1, 2026.