Minnesota insurance laws

What it would do: Creates a new chapter regulating short-term rental guarantees and reimbursement insurance policies. Requires providers to register annually with a $750 fee, maintain reimbursement insurance, train loss handlers, and include specific consumer disclosures stating guarantees are not insurance.

What it would do: Eliminates the Prescription Drug Affordability Advisory Council and modifies its conflict of interest provisions. Modifies insurance, consumer protection, telecommunications, securities, financial products, unclaimed property, charitable gambling, and premium security plan provisions. Requires various reports and makes technical corrections.

What it would do: Establishes licensing and registration requirements for limited lines travel insurance producers and travel retailers in Minnesota. Creates comprehensive regulatory framework for sale of travel insurance, including disclosure requirements, sales practices restrictions, and definitions of travel insurance and related services.

What it would do: Establishes short-term home health and nursing care insurance as a supplemental health insurance product covering up to 360 days of services, requires commissioner approval, mandates specific disclosures and consumer protections, and adds civil penalties for violations.

What it would do: Eliminates the Prescription Drug Affordability Advisory Council and transfers its duties to the board. Modifies nondepository financial institution regulations, aligns health plan oversight to the commissioner of commerce, and adjusts the premium security plan reinsurance parameters and assessment procedures.

What it would do: Extends the requirement that health plan companies must credential and contract with mental health service providers meeting their standards, removing the previous July 1, 2023 to June 30, 2025 sunset date.

What it would do: Prohibits health plans offered to Minnesota residents from covering conversion therapy for enrollees under 18 or vulnerable adults, effective January 1, 2027. Requires the commissioner of human rights to investigate and pursue civil relief against mental health practitioners engaging in conversion therapy.

What it would do: Extends the reinsurance assessment authority on group health carriers from a one-time 2028 assessment to annual assessments for each benefit year. Requires the commissioner of commerce to apply for continuation of the state innovation waiver by December 31, 2026, for benefit years beginning January 1, 2028, and subsequent years.

What it would do: Modifies prescription drug prior authorization standards, price transparency reporting requirements, health maintenance organization regulations, and health plan network adequacy provisions. Repeals obsolete provisions related to the Health Technology Advisory Committee and other outdated health care statutes.

What it would do: Requires health plans to cover immunizations recommended by the CDC, American Academy of Pediatrics, or a new Minnesota Science-Based Vaccine Advisory Council without cost-sharing. Establishes the advisory council to develop annual vaccine schedules and recommend school and postsecondary immunization requirements.

What it would do: Expands the definition of partnership policy under the Minnesota partnership for long-term care program to include long-term care insurance policies sold before July 1, 2015, with inflation protection between one and three percent, effective January 1, 2027, or upon federal approval, whichever is later.

What it would do: Requires all health plans to cover cervical cancer screening tests per American Cancer Society guidelines and subsequent diagnostic services without cost-sharing, utilization review, referral requirements, or quantity limitations. Requires the commissioner of commerce to reimburse health plans for these additional costs beginning fiscal year 2028.

What it would do: Requires bail enforcement agents to obtain licenses from the Board of Private Detective and Protective Agent Services, establishes education and examination requirements, prohibits licensed bail enforcement agents from enforcing civil immigration laws, and imposes criminal penalties for violations.

What it would do: Requires health plan companies and pharmacy benefit managers to include all amounts paid by or on behalf of an enrollee when calculating contributions toward cost-sharing and out-of-pocket maximums for prescription drugs, except before deductible is met if it would affect health savings account or catastrophic plan eligibility.

What it would do: Requires health plans to cover cancer screenings for colorectal, breast, prostate, cervical, and lung cancers consistent with current American Cancer Society guidelines, with no cost-sharing requirements, effective January 1, 2027.

What it would do: Requires health plans to cover augmentative and alternative communication systems and related habilitation services as medically necessary, prohibits separate financial requirements or quantitative limits on these services, and appropriates funds to the commissioner of commerce to reimburse health plan companies for coverage costs.

What it would do: Adds epilepsy to the definition of chronic disease under Minnesota's cost-sharing limits for prescription drugs and medical supplies, effective January 1, 2027, for health plans offered, issued, or renewed on or after that date.

What it would do: Creates a mandatory school employee health insurance pool administered by the commissioner of management and budget, requiring all school employers to enroll employees beginning January 1, 2027, with employer contributions of 85-95 percent of premiums and establishes educator group insurance program governance and funding mechanisms.

What it would do: Requires all health plans to cover doula services with no cost-sharing, utilization review, referral requirements, or quantity limitations, effective January 1, 2027. The commissioner of commerce must reimburse health plans for these costs beginning in fiscal year 2028.

What it would do: Requires insurance companies that demand a Social Security number on insurance coverage applications to accept an individual taxpayer identification number instead, and to indicate this acceptance on the application form, effective January 1, 2026.

What it would do: Modifies eligibility for continued employer-paid health insurance coverage for peace officers and firefighters disabled in the line of duty, including those who do not qualify for duty disability benefits but meet other criteria, and extends coverage periods based on disability type and approval date.

What it would do: Establishes a state rapid start program requiring local HIV treatment programs to initiate antiretroviral therapy within one to seven days of diagnosis. Prohibits health plans from requiring prior authorization, step therapy, or cost sharing for antiretroviral therapy and HIV prevention services.

What it would do: Requires health carriers to offer reference-based pricing health plans, prohibits open-ended promise-to-pay contracts without disclosed charges, establishes a provider number framework based on percentage of medical assistance baseline rates, prohibits charging for hospital-associated infection treatment costs, and authorizes rulemaking.

What it would do: Prohibits health plans from imposing quantity limits on home care nursing services for persons concurrently covered by both a health plan and medical assistance. Defines home care nursing services as ongoing skilled nursing ordered by a physician or advanced practice provider and medically necessary for medical complexity or sustained monitoring.

What it would do: Prohibits hospitals from offering or entering into contracts with health plan companies that contain antisteering, antitiering, gag, or most favored nation clauses, and voids such clauses if included. Defines these prohibited clause types and establishes fiduciary duties for health plan companies.