MN HF4280

Increases maximum short-term health insurance coverage period from 185 days to 365 days per initial policy.

Allows total coverage of 365 days out of any 555-day period across multiple policies with same or different carriers, plus additional days for ongoing hospitalizations.

Requires written application for short-term coverage to ask if applicant received short-term coverage from any carrier within preceding 555 days, with penalties for carriers knowingly violating the 365-day limit.

Maintains 6-month preexisting condition exclusion for short-term coverage, including conditions from previous identical policies with same carrier.

Repeals Minnesota Statutes sections 62A.65, subdivisions 5 and 7a, removing certain portability and conversion requirements for short-term coverage.