MN HF3659

Require all individual health plans offered in Minnesota to be issued on a guaranteed issue basis, with renewal premiums that cannot consider claims experience or health status changes after initial issuance.

Allow health carriers to cede individual health plan risks to the Minnesota Comprehensive Health Association (MCHA) under a new subdivision, with rules for reinsurance thresholds, premiums, and pooling of members' reinsured risks.

Establish that reinsurance plan fees charged by MCHA shall not be less than 110 percent of total anticipated expenses for reinsurance operations.

End new enrollment in the comprehensive health insurance plan effective January 1, 2011, limiting the plan to existing enrollees.

Require health carriers to not refuse renewal of individual plans prior to Medicare enrollment, except for nonpayment of premiums, fraud, or misrepresentation.