MN SF3784

Defines "very high deductible health plan" (VHDHP) as a high deductible plan with annual maximum out-of-pocket expenses exceeding $3,000 for individual coverage or $6,000 for family coverage

Requires health plan companies issuing VHDHPs to pay emergency room and ambulance charges directly to providers within 15 days if the enrollee has not paid within 30 days of treatment and the charges are unpaid due to unmet deductibles

Allows health plan companies to seek reimbursement from enrollees for these payments, but prohibits canceling, terminating, or reducing coverage as a collection method or penalty for non-reimbursement

Requires third-party administrators of insurance plans involving VHDHPs to comply with the same payment requirements, with health plan companies retaining ultimate responsibility for compliance

Effective August 1, 2026, applying to VHDHPs offered, issued, sold, or renewed on or after that date