<div class="xtend"><a id="pl.1.1"></a><var>1.1</var>CONFERENCE COMMITTEE REPORT ON S.F. No. 1265<br />
         		
         <div class="xtend_ce"><a id="pl.1.2"></a><var>1.2</var>A bill for an act<br />
            		
         </div><a id="pl.1.3"></a><var>1.3</var>relating to insurance; permitting individuals to contract with an insurance <br />
         		<a id="pl.1.4"></a><var>1.4</var>producer to advocate on the individual's behalf with respect to health coverage <br />
         		<a id="pl.1.5"></a><var>1.5</var>with an insurance company; regulating payment of commissions by issuers of <br />
         		<a id="pl.1.6"></a><var>1.6</var>qualified health plans; amending Minnesota Statutes 2014, sections 60K.31, by <br />
         		<a id="pl.1.7"></a><var>1.7</var>adding subdivisions; 60K.48, by adding a subdivision; proposing coding for new <br />
         		<a id="pl.1.8"></a><var>1.8</var>law in Minnesota Statutes, chapter 62V.<br />
         		<a id="pl.1.9"></a><var>1.9</var>May 14, 2015<br />
         		<a id="pl.1.10"></a><var>1.10</var>The Honorable Sandra L. Pappas<br />
         		<a id="pl.1.11"></a><var>1.11</var>President of the Senate<br />
         		<a id="pl.1.12"></a><var>1.12</var>The Honorable Kurt L. Daudt<br />
         		<a id="pl.1.13"></a><var>1.13</var>Speaker of the House of Representatives<br />
         		<a id="pl.1.14"></a><var>1.14</var>We, the undersigned conferees for S.F. No. 1265 report that we have agreed upon <br />
         		<a id="pl.1.15"></a><var>1.15</var>the items in dispute and recommend as follows:<br />
         		<a id="pl.1.16"></a><var>1.16</var>That the House recede from its amendments and that S.F. No. 1265 be further <br />
         		<a id="pl.1.17"></a><var>1.17</var>amended as follows:<br />
         		<a id="pl.1.18"></a><var>1.18</var>Delete everything after the enacting clause and insert:<br />
         		<br />
         		<a id="bill.0.1.0"></a><a id="pl.1.19"></a><var>1.19</var>&#160;&#160;&#160;&#160;"Section 1. Minnesota Statutes 2014, section 60K.31, is amended by adding a <br />
         		<a id="pl.1.20"></a><var>1.20</var>subdivision to read:<br />
         		<a id="pl.1.21"></a><var>1.21</var>&#160;&#160;&#160;&#160;Subd. 1a. <b>Agent of record.</b> "Agent of record" means an insurance producer, as <br />
         		<a id="pl.1.22"></a><var>1.22</var>defined in subdivision 6, who enters into an agreement with:<br />
         		<a id="pl.1.23"></a><var>1.23</var>(1) a policyholder who has individual health insurance coverage from an insurance
         <br />
         		<a id="pl.1.24"></a><var>1.24</var>company that the producer represents; or<br />
         		<a id="pl.1.25"></a><var>1.25</var>(2) an applicant for individual health insurance coverage from an insurance company
         <br />
         		<a id="pl.1.26"></a><var>1.26</var>the producer represents.<br />
         		<br />
         		<a id="bill.0.2.0"></a><a id="pl.1.27"></a><var>1.27</var>&#160;&#160;&#160;&#160;Sec. 2. Minnesota Statutes 2014, section 60K.31, is amended by adding a subdivision <br />
         		<a id="pl.1.28"></a><var>1.28</var>to read:<br />
         		<a id="pl.2.1"></a><var>2.1</var>&#160;&#160;&#160;&#160;Subd. 1b. <b>Agent of record agreement.</b> "Agent of record agreement" means an <br />
         		<a id="pl.2.2"></a><var>2.2</var>agreement documenting the agreement referenced in subdivision 1a, and that is signed
         by <br />
         		<a id="pl.2.3"></a><var>2.3</var>the agent of record and either a policyholder or applicant for individual health insurance
         <br />
         		<a id="pl.2.4"></a><var>2.4</var>coverage. <br />
         		<br />
         		<a id="bill.0.3.0"></a><a id="pl.2.5"></a><var>2.5</var>&#160;&#160;&#160;&#160;Sec. 3. Minnesota Statutes 2014, section 60K.48, is amended by adding a subdivision <br />
         		<a id="pl.2.6"></a><var>2.6</var>to read:<br />
         		<a id="pl.2.7"></a><var>2.7</var>&#160;&#160;&#160;&#160;Subd. 4. <b>Qualified health plans.</b> (a) If a health carrier pays commissions or <br />
         		<a id="pl.2.8"></a><var>2.8</var>service fees to licensed producers who are appointed by the health carrier for sale
         of a <br />
         		<a id="pl.2.9"></a><var>2.9</var>qualified health plan, then, within 30 days of receipt of the agent of record agreement,
         the <br />
         		<a id="pl.2.10"></a><var>2.10</var>health carrier must accommodate a policyholder or applicant for coverage by allowing
         <br />
         		<a id="pl.2.11"></a><var>2.11</var>a policyholder or applicant to select or change the agent of record, effective upon
         the <br />
         		<a id="pl.2.12"></a><var>2.12</var>next premium cycle.<br />
         		<a id="pl.2.13"></a><var>2.13</var>(b) The health carrier's standard commission and service fees must be paid to the
         <br />
         		<a id="pl.2.14"></a><var>2.14</var>policyholder's agent of record or the agent's assignee if any premium rate for a qualified
         <br />
         		<a id="pl.2.15"></a><var>2.15</var>health plan has been approved by the commissioner with costs associated with producer
         <br />
         		<a id="pl.2.16"></a><var>2.16</var>commissions included in the filed rate.<br />
         		<a id="pl.2.17"></a><var>2.17</var>(c) A health carrier is prohibited from offering, renewing, or failing to renew <br />
         		<a id="pl.2.18"></a><var>2.18</var>qualified health plans based solely on the commission-paying status of the health
         plan.<br />
         		<a id="pl.2.19"></a><var>2.19</var>(d) Nothing in this subdivision requires a health carrier to pay any commission <br />
         		<a id="pl.2.20"></a><var>2.20</var>or service fee with respect to the sale of a qualified health plan, unless the rate
         for the <br />
         		<a id="pl.2.21"></a><var>2.21</var>qualified health plan has been approved by the commissioner with costs associated
         with <br />
         		<a id="pl.2.22"></a><var>2.22</var>producer commissions included in the filed rate.<br />
         		<br />
         		<a id="bill.0.4.0"></a><a id="pl.2.23"></a><var>2.23</var>&#160;&#160;&#160;&#160;Sec. 4. <b>[62V.051] MNSURE; CONSUMER RETROACTIVE APPOINTMENT </b><br />
         		<a id="pl.2.24"></a><var>2.24</var><b>OF A NAVIGATOR OR PRODUCER PERMITTED.</b><br />
         		<a id="pl.2.25"></a><var>2.25</var>Notwithstanding any other law or rule to the contrary, for up to six months after
         the <br />
         		<a id="pl.2.26"></a><var>2.26</var>effective date of the qualified health plan, MNsure must permit a qualified health
         plan <br />
         		<a id="pl.2.27"></a><var>2.27</var>policyholder, who has not designated a navigator or an insurance producer, to retroactively
         <br />
         		<a id="pl.2.28"></a><var>2.28</var>appoint a navigator or insurance producer. MNsure must provide notice of the retroactive
         <br />
         		<a id="pl.2.29"></a><var>2.29</var>appointment to the health carrier. The health carrier must retroactively pay commissions
         <br />
         		<a id="pl.2.30"></a><var>2.30</var>to the insurance producer if the producer can demonstrate that they were certified
         by <br />
         		<a id="pl.2.31"></a><var>2.31</var>MNsure at the time of the original enrollment, were appointed by the selected health
         <br />
         		<a id="pl.2.32"></a><var>2.32</var>carrier at the time of the enrollment, and that an agent of record agreement was executed
         <br />
         		<a id="pl.2.33"></a><var>2.33</var>prior to or at the time of the effective date of the policy. MNsure must adopt a standard
         <br />
         		<a id="pl.2.34"></a><var>2.34</var>form of agent of record agreement for purposes of this section.<br />
         		<br />
         		<a id="bill.0.5.0"></a><a id="pl.3.1"></a><var>3.1</var>&#160;&#160;&#160;&#160;Sec. 5. <b>MNSURE; CONSUMER RETROACTIVE APPOINTMENT OF A </b><br />
         		<a id="pl.3.2"></a><var>3.2</var><b>NAVIGATOR OR PRODUCER PERMITTED.</b><br />
         		<a id="pl.3.3"></a><var>3.3</var>Notwithstanding any other law or rule to the contrary, MNsure must permit a <br />
         		<a id="pl.3.4"></a><var>3.4</var>policyholder, who has not yet designated a navigator or an insurance producer, to
         <br />
         		<a id="pl.3.5"></a><var>3.5</var>retroactively appoint a navigator or insurance producer by August 1, 2015, for a qualified
         <br />
         		<a id="pl.3.6"></a><var>3.6</var>health plan purchased by the policyholder through MNsure with a coverage effective
         date <br />
         		<a id="pl.3.7"></a><var>3.7</var>of January 1, 2015, to July 31, 2015. MNsure must provide timely notice of the retroactive
         <br />
         		<a id="pl.3.8"></a><var>3.8</var>appointment to the health carrier. The health carrier must retroactively pay commissions
         to <br />
         		<a id="pl.3.9"></a><var>3.9</var>the insurance producer if the producer can demonstrate that they were certified by
         MNsure <br />
         		<a id="pl.3.10"></a><var>3.10</var>at the time of the original enrollment, were appointed by the selected health carrier
         at the <br />
         		<a id="pl.3.11"></a><var>3.11</var>time of the enrollment, and that the policyholder indicates that the insurance producer
         <br />
         		<a id="pl.3.12"></a><var>3.12</var>advised them at the time of enrollment. This section shall sunset on August 1, 2015.<br />
         		<br />
         		<a id="bill.0.6.0"></a><a id="pl.3.13"></a><var>3.13</var>&#160;&#160;&#160;&#160;Sec. 6. <b>EFFECTIVE DATE.</b><br />
         		<a id="pl.3.14"></a><var>3.14</var>Sections 1 to 3 and 5 are effective the day following final enactment. Section 4 <br />
         		<a id="pl.3.15"></a><var>3.15</var>is effective August 1, 2015, and applies with respect to qualified health plans with
         an <br />
         		<a id="pl.3.16"></a><var>3.16</var>effective date on or after that date."<br />
         		
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               <td colspan="3">We request the adoption of this report and repassage of the bill.</td>
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               <td>Senate Conferees:<span width="2em"></span></td>
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               <td>Vicki Jensen</td>
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               <td>James P. Metzen</td>
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               <td>Paul E. Gazelka</td>
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               <td>House Conferees:<span width="2em"></span></td>
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               <td>Greg Davids</td>
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               <td>Joe Hoppe</td>
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               <td>Paul Rosenthal</td>
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