MN SF4310

Codifies Affordable Care Act provisions into Minnesota law regarding health insurance coverage requirements, including waiting periods, preventive care, and out-of-pocket maximums.

Prohibits group health plans from applying waiting periods exceeding 90 days for employee coverage, with exceptions for full-time status determination (up to 12 months) and cumulative hours-of-service requirements (not exceeding 1,200 hours).

Requires individual health plans to include a three-month grace period for nonpayment of premiums, during which carriers must pay claims for the first month and may pend claims for the second and third months.

Mandates coverage of preventive items and services without cost-sharing requirements and allows dependent children to remain on parental plans until age 26, regardless of financial dependency, residency, marital status, or student status.

Establishes unfair discriminatory practices provisions prohibiting exclusion from health programs based on race, color, creed, religion, disability, national origin, marital status, sexual orientation, or sex for programs receiving federal financial assistance or offered through state or federal marketplaces.