MN SF3993

Health plans must issue enrollees a credit equal to 50% of the cost difference when they receive services from an out-of-network provider that charges less than comparable in-network providers

Health plan companies must provide good faith estimates within 10 business days showing both in-network costs and the lowest in-network cost for services comparable to a specified out-of-network provider

Credits must be automatically applied to enrollees' next premium payments, with a maximum aggregate credit balance of $[amount to be determined] per plan

Health plans are prohibited from imposing cost-sharing requirements, utilization review limitations, or premium increases that limit enrollees' ability to use their out-of-network credits

Upon plan termination, health plans must pay out any remaining credit balance to the enrollee, and these payouts are exempt from Minnesota state income tax for taxable years beginning after December 31, 2025