MN SF2255

Prohibits health carriers from issuing or renewing qualified health plans with state or federal subsidies if purchased through a market intermediary that restricts carrier participation, imposes additional requirements beyond state/federal law, sets prices, or negotiates provider contracts.

Defines "market intermediary" as a health benefit exchange created under the Affordable Care Act (Public Law 111-148).

Requires health benefit intermediary governing boards to be appointed by legislative leadership (Speaker of House, Senate Rules Subcommittee, and Governor) and include private market stakeholders, with prohibition on government operation or regulation.

Restricts intermediary operations by prohibiting bearing insurance risk, negotiating provider rates, requiring all products be sold through intermediary, prohibiting licensed producers from being navigators, and limiting advertising spending to 0.2% of gross premiums annually.

Prohibits intermediaries from acquiring private insurance agencies or third-party administrators, moving covered individuals from private market to intermediary plans, or offering plans exclusively within the intermediary, with provision that this section supersedes conflicting laws from 2012 legislative session.