MN SF4065

Requires health care providers to publicly post and provide medical debt collection policies, prohibits denial of medically necessary services due to unpaid medical debt, and establishes procedures for reviewing miscoded health treatments with patient billing protections during reviews.

Expands debtor exemptions from garnishment and seizure, including increases to motor vehicle exemptions ($5,000 to $10,000), adds new exemptions for household tools ($3,000), property tax refunds ($3,000), and depository accounts ($4,000), and protects bankruptcy debtors from vehicle repossession solely due to filing.

Restricts medical debt collection practices by prohibiting threats of specific legal action without actual retention of counsel, banning threats to deny medically necessary treatment, requiring full disclosure of collecting party names, and establishing liability for violations with damages up to $1,000 per violation plus attorney fees.

Modifies workers' compensation claims exemption to include a $1,000,000 cap, updates insurance policy exemptions to include the same cap, and modifies garnishment procedures requiring creditor compliance with exemption claims within ten business days.

Directs attorney general to review and recommend plain-language revisions to garnishment notices and forms in consultation with the Center for Plain Language and stakeholder groups.