MN HF234

Extends maximum coverage period for short-term individual health plans from 185 days to 365 days, with allowance to continue coverage through end of hospitalization.

Maintains 365-day coverage limit per 555-day period across all policies and carriers, with health carriers required to ask applicants about prior short-term coverage within preceding 555 days.

Permits preexisting condition exclusions for first six months of coverage, including conditions from previous identical policies with same carrier if coverage was continuous.

Allows health carriers to combine short-term coverage with their most commonly sold individual qualified plan for loss ratio compliance purposes.

Repeals Minnesota Statutes subdivisions 5 and 7a (portability/conversion requirements and short-term coverage applicability provisions).