MN HF4095

Establishes a $75/month transitional cost-sharing reduction for eligible individuals enrolled in gold-level health plans through MNsure for 2023 and 2024 plan years only.

Creates a $125/month transitional premium subsidy for qualified individuals enrolled in bronze, silver, gold, or platinum plans through MNsure from January 1, 2023, through December 31, 2024, contingent on federal premium tax credit provisions not being extended beyond December 31, 2022.

Expands MinnesotaCare eligibility to include lawfully present noncitizens with incomes up to 200% of federal poverty guidelines effective January 1, 2024, and creates a public option for individuals with incomes above the normal limit effective January 1, 2025.

Establishes a 50% small employer transitional health care credit for qualified employers with fewer than 50 employees for taxable years 2023 and 2024 only, and directs the commissioner to develop a small employer public option allowing MinnesotaCare enrollment.

Requires the commissioner to present implementation plans and comparative reports by January 15, 2024, analyzing alternative service delivery and payment models for MinnesotaCare, including a state-based model and fee-for-service options.