HF4745 Summary

• Establishes MinnesotaCare public option for individuals with income above 200% of federal poverty guidelines who meet other MinnesotaCare eligibility requirements, with phased enrollment limits: no cap through 400% poverty in 2027, expanding to 550% in 2028, and unlimited enrollment from 2029 onward.

• Sets public option premiums on sliding scale from 4.88% of household income (201-250% poverty) to 10% (551%+ poverty) and establishes deductibles ranging from $0 to $1,500 depending on income level, with cost-sharing applying to all enrollees.

• Requires commissioner of commerce to submit section 1332 federal waiver application to implement public option and seek federal pass-through funding for premium tax credits and cost-sharing reductions.

• Authorizes MNsure to process public option applications, determine eligibility, provide marketing and call center operations, and enable enrollment on MNsure website alongside qualified health plans.

• Appropriates unspecified amounts to MNsure board, commissioner of human services, and commissioner of commerce for technology development, implementation, and federal waiver application; sets marketing budget at $1,000,000 beginning fiscal year 2027.