Adds provisions amending the Fire Protection District Act. Provides that, if a fire protection district is a self-insurer for purposes of providing health insurance coverage for its employees, the insurance coverage shall include, on and after June 1, 2025, mental health counseling for any employee who is a first responder without imposing a deductible, coinsurance, copayment, or any other cost-sharing requirement on the coverage provided, except that this requirement does not apply to the extent such coverage would disqualify a high-deductible health plan from eligibility for a health savings account under a specified provision of the Internal Revenue Code. Defines the terms "first responder" and "mental health counseling".