MN SF39

Codifies Affordable Care Act requirements into Minnesota state law regarding health insurance coverage, including preventive care, dependent coverage to age 26, and out-of-pocket maximums.

Limits group health plan waiting periods to 90 days maximum, with exceptions for determining full-time employment status (up to 12 months) and cumulative service hours (not exceeding 1,200 hours).

Requires individual health plans to include a three-month grace period for nonpayment of premiums, during which claims in the first month must be paid and claims in months two and three may be pending.

Establishes a 90-day maximum waiting period for health maintenance organizations' co-payments, deductibles, and out-of-pocket maximums consistent with federal law.

Creates new anti-discrimination protections prohibiting exclusion or discrimination based on race, color, creed, religion, disability, national origin, marital status, sexual orientation, or sex by health programs and insurers receiving federal funding or operating through state/federal marketplaces.

Effective January 1, 2021, for coverage offered, sold, issued, or renewed on or after that date.