MN HF3923

Expands guaranteed issue rights for Medicare supplement (Medigap) policies to include individuals whose existing Medicare supplement policy is involuntarily terminated or whose issuer becomes insolvent or bankrupt

Adds "other involuntary termination of coverage or enrollment" as a qualifying event that triggers guaranteed issue protections, beyond just insurer insolvency

Individuals experiencing involuntary termination of their Medicare supplement policy gain the right to purchase any Medicare supplement policy from any issuer without denial, discriminatory pricing based on health status or age, or preexisting condition exclusions

Guaranteed issue period for involuntary termination begins on the earlier of receiving termination notice or the coverage termination date, and extends 63 days after coverage ends

Effective date: January 1, 2027