Bill Summary: HF4335

• Codifies Affordable Care Act provisions into Minnesota state law regarding health insurance coverage, including preventive care without cost-sharing, dependent coverage to age 26, and annual out-of-pocket maximums.

• Limits group health plan waiting periods to 90 days maximum, with exceptions for eligibility determinations and orientation periods not exceeding one month.

• Requires individual health plans to include a three-month grace period for nonpayment of premiums, during which claims from the first month must be paid and providers notified of potential denials in months two and three.

• Establishes that "preventive items and services" include evidence-based services rated A or B by the U.S. Preventive Services Task Force, routine immunizations, and preventive care for infants, children, adolescents, and women per federal guidelines.

• Creates new protections prohibiting health care programs and insurance providers receiving federal funding from discriminating based on race, color, creed, religion, disability, national origin, marital status, sexual orientation, or sex, with requirements for accessibility and language assistance services.