MN HF2332

Establishes a "merged market" allowing employers with 50 or fewer employees to use employer contributions to purchase health insurance for employees through the individual market or MNsure.

Requires merged market health plans to be regulated as group health plans under individual market requirements, federal small group requirements, and qualified health plan requirements under chapter 62K.

Prohibits employees receiving merged market health plans from accessing advanced premium tax credits or cost-sharing subsidies through MNsure.

Automatically converts merged market coverage to individual coverage when an employee is no longer employed or the employer ceases offering employer contributions, allowing individuals to then access subsidies and credits.

Allows eligible employers offering merged market plans to enroll new employees within 30 days of hire or during MNsure's annual open enrollment period, and requires health carriers to guarantee coverage on a guaranteed issue basis.

Effective January 1, 2017, for merged market health plans offered, issued, or renewed on or after that date.