MN HF3162

Defines "very high deductible health plan" (VHDHP) as a high deductible health plan with annual maximum out-of-pocket expenses exceeding $3,000 for individual coverage or $6,000 for family coverage.

Requires health plan companies issuing VHDHPs to pay emergency room and ambulance service charges directly to hospitals or ambulance service licensees within 15 days after receiving notice that an enrollee has not paid within 30 days of treatment.

Allows health plan companies to seek reimbursement from enrollees for emergency and ambulance payments made on their behalf, subject to the same collection restrictions that apply to health care providers.

Permits health plan companies to contract with entities administering insurance plans to assume compliance duties under these requirements while retaining ultimate responsibility for compliance.

Prohibits health plan companies from canceling, terminating, suspending, or limiting an enrollee's coverage as a means of collection or penalty for failure to reimburse the health plan company for emergency or ambulance payments made under this provision.

Effective August 1, 2020, for VHDHPs offered, issued, sold, or renewed on or after that date.