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MN HF4152
Bill
Status
3/12/2026
Primary Sponsor
Krista Knudsen
Click for details
AI Summary
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Health plans must issue enrollees a credit equal to 50% of the cost difference when they choose an out-of-network provider that charges less than comparable in-network providers for the same service
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Health plan companies must provide good faith estimates within 10 business days showing either the in-network contracted rate or the lowest in-network rate for a service comparable to a specified out-of-network provider
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Credits must be automatically applied to the enrollee's next premium payment, and any remaining credit balance must be paid out upon plan termination (except for nonpayment or fraud)
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Health plans are prohibited from imposing cost-sharing requirements, utilization review limitations, or premium increases that limit an enrollee's ability to use out-of-network credits
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Out-of-network credit balance payments received upon plan termination are exempt from Minnesota state income tax, effective for taxable years beginning after December 31, 2025
Legislative Description
Health plans required to credit enrollees for services provided by an out-of-network provider at a lower cost than the plan's in-network providers, and commissioner of commerce enforcement authorized.
Last Action
Introduction and first reading, referred to Commerce Finance and Policy
3/12/2026