<div class="xtend">
         <div class="xtend_ce"><a id="pl.1.1"></a><var>1.1</var>A bill for an act<br />
            		
         </div><a id="pl.1.2"></a><var>1.2</var>relating to insurance; permitting individuals to contract with an insurance <br />
         		<a id="pl.1.3"></a><var>1.3</var>producer to advocate on the individual's behalf with respect to health coverage <br />
         		<a id="pl.1.4"></a><var>1.4</var>with an insurance company; regulating payment of commissions by issuers of <br />
         		<a id="pl.1.5"></a><var>1.5</var>qualified health plans; amending Minnesota Statutes 2014, sections 60K.31, by <br />
         		<a id="pl.1.6"></a><var>1.6</var>adding subdivisions; 60K.48, by adding a subdivision; proposing coding for new <br />
         		<a id="pl.1.7"></a><var>1.7</var>law in Minnesota Statutes, chapter 62V.<br />
         		<a id="pl.1.8"></a><var>1.8</var>BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA:<br />
         		<br />
         		<a id="bill.0.1.0"></a><a id="pl.1.9"></a><var>1.9</var>&#160;&#160;&#160;&#160;Section 1. Minnesota Statutes 2014, section 60K.31, is amended by adding a <br />
         		<a id="pl.1.10"></a><var>1.10</var>subdivision to read:<br />
         		<a id="pl.1.11"></a><var>1.11</var>&#160;&#160;&#160;&#160;Subd. 1a. <b>Agent of record.</b> "Agent of record" means an insurance producer, as <br />
         		<a id="pl.1.12"></a><var>1.12</var>defined in subdivision 6, who enters into an agreement with:<br />
         		<a id="pl.1.13"></a><var>1.13</var>(1) a policyholder who has individual health insurance coverage from an insurance
         <br />
         		<a id="pl.1.14"></a><var>1.14</var>company that the producer represents; or<br />
         		<a id="pl.1.15"></a><var>1.15</var>(2) an applicant for individual health insurance coverage from an insurance company
         <br />
         		<a id="pl.1.16"></a><var>1.16</var>the producer represents.<br />
         		<br />
         		<a id="bill.0.2.0"></a><a id="pl.1.17"></a><var>1.17</var>&#160;&#160;&#160;&#160;Sec. 2. Minnesota Statutes 2014, section 60K.31, is amended by adding a subdivision <br />
         		<a id="pl.1.18"></a><var>1.18</var>to read:<br />
         		<a id="pl.1.19"></a><var>1.19</var>&#160;&#160;&#160;&#160;Subd. 1b. <b>Agent of record agreement.</b> "Agent of record agreement" means an <br />
         		<a id="pl.1.20"></a><var>1.20</var>agreement documenting the agreement referenced in subdivision 1a, and that is signed
         by <br />
         		<a id="pl.1.21"></a><var>1.21</var>the agent of record and either a policyholder or applicant for individual health insurance
         <br />
         		<a id="pl.1.22"></a><var>1.22</var>coverage.<br />
         		<br />
         		<a id="bill.0.3.0"></a><a id="pl.2.1"></a><var>2.1</var>&#160;&#160;&#160;&#160;Sec. 3. Minnesota Statutes 2014, section 60K.48, is amended by adding a subdivision <br />
         		<a id="pl.2.2"></a><var>2.2</var>to read:<br />
         		<a id="pl.2.3"></a><var>2.3</var>&#160;&#160;&#160;&#160;Subd. 4. <b>Qualified health plans.</b> (a) If a health carrier pays commissions or <br />
         		<a id="pl.2.4"></a><var>2.4</var>service fees to licensed producers who are appointed by the health carrier for sale
         of a <br />
         		<a id="pl.2.5"></a><var>2.5</var>qualified health plan, then, within 30 days of receipt of the agent of record agreement,
         the <br />
         		<a id="pl.2.6"></a><var>2.6</var>health carrier must accommodate a policyholder or applicant for coverage by allowing
         a <br />
         		<a id="pl.2.7"></a><var>2.7</var>policyholder or applicant to select or change the agent of record.<br />
         		<a id="pl.2.8"></a><var>2.8</var>(b) The health carrier's standard commission and service fees must be paid to the
         <br />
         		<a id="pl.2.9"></a><var>2.9</var>policyholder's agent of record or the agent's assignee if any premium rate for a qualified
         <br />
         		<a id="pl.2.10"></a><var>2.10</var>health plan has been approved by the commissioner with costs associated with producer
         <br />
         		<a id="pl.2.11"></a><var>2.11</var>commissions included in the filed rate.<br />
         		<a id="pl.2.12"></a><var>2.12</var>(c) A health carrier is prohibited from offering, renewing, or failing to renew <br />
         		<a id="pl.2.13"></a><var>2.13</var>qualified health plans based solely on the commission-paying status of the health
         plan.<br />
         		<a id="pl.2.14"></a><var>2.14</var>(d) Nothing in this subdivision requires a health carrier to pay any commission <br />
         		<a id="pl.2.15"></a><var>2.15</var>or service fee with respect to the sale of a qualified health plan, unless the rate
         for the <br />
         		<a id="pl.2.16"></a><var>2.16</var>qualified health plan has been approved by the commissioner with costs associated
         with <br />
         		<a id="pl.2.17"></a><var>2.17</var>producer commissions included in the filed rate.<br />
         		<br />
         		<a id="bill.0.4.0"></a><a id="pl.2.18"></a><var>2.18</var>&#160;&#160;&#160;&#160;Sec. 4. <b>[62V.051] MNSURE; POLICYHOLDER RETROACTIVE </b><br />
         		<a id="pl.2.19"></a><var>2.19</var><b>APPOINTMENT OF A NAVIGATOR OR PRODUCER PERMITTED.</b><br />
         		<a id="pl.2.20"></a><var>2.20</var>Notwithstanding any other law or rule to the contrary, MNsure must permit a <br />
         		<a id="pl.2.21"></a><var>2.21</var>policyholder, who has not yet designated a navigator or an insurance producer, to
         <br />
         		<a id="pl.2.22"></a><var>2.22</var>retroactively appoint a navigator or insurance producer by August 1, 2015, for a qualified
         <br />
         		<a id="pl.2.23"></a><var>2.23</var>health plan purchased by the policyholder through MNsure with a coverage effective
         <br />
         		<a id="pl.2.24"></a><var>2.24</var>date of January 1, 2015, to June 30, 2015.<br />
         		<br />
         		<a id="bill.0.5.0"></a><a id="pl.2.25"></a><var>2.25</var>&#160;&#160;&#160;&#160;Sec. 5. <b>EFFECTIVE DATE.</b><br />
         		<a id="pl.2.26"></a><var>2.26</var>Sections 1 to 4 are effective the day following final enactment.<br />
         		
      </div>