SMALL EMPLOYER HEALTH BENEFIT PLANS

See also HEALTH AND ACCIDENT INSURANCE

Accounting and bookkeeping

Billing procedures, health care gross revenues taxes, itemization restriction, Minn. Statutes 2004 295.53

Actuarial opinions

Defined, Minn. Statutes 2004 62L.02

Reports about, Minn. Statutes 2004 62L.10

Alternative benefit plans

Copayments and deductibles, Minn. Statutes 2004 62L.05

Coverage, Minn. Statutes 2004 62L.05

Application of law

Accountable provider networks, compliance, Minn. Statutes 2004 62T.03

Coinsurance, Minn. Statutes 2004 62L.05

Deductibles, Minn. Statutes 2004 62L.05

Dependent coverage, Minn. Statutes 2004 62L.05

Dependents, coverage, Minn. Statutes 2004 62A.302

Employer-based voluntary purchasing pools, Minn. Statutes 2004 62Q.17

Generally, Minn. Statutes 2004 62L.01, 62L.04

Group insurance benefits, continuation, Minn. Statutes 2004 62L.03, 62L.045

Guaranteed issue, collective bargaining agreements, exemption, Minn. Statutes 2004 62L.03

Health carriers, cessation of small employer business, Minn. Statutes 2004 62L.09

Health plan companies, Minn. Statutes 2004 62L.05

Health plan policies issued as stop loss coverage, Minn. Statutes 2004 60A.235

Individual market regulation, Minn. Statutes 2004 62A.65

Joint self-insurance employee health plans, Minn. Statutes 2004 62H.04, 62H.08

Minimum contributions and participation, Minn. Statutes 2004 62L.03

Other products, sale of insurance conditioned on, Minn. Statutes 2004 62L.12

Policies, Minn. Statutes 2004 62A.02, 62A.303

Premium rates, Minn. Statutes 2004 62L.08

Small employer status, Minn. Statutes 2004 62L.02

Underwriting restrictions, Minn. Statutes 2004 62L.04

Assessments

Failure to pay, Minn. Statutes 2004 62L.11

Liability, Minn. Statutes 2004 62L.09

Associations

Generally, Minn. Statutes 2004 62L.045

Rural purchasing alliances, exclusion, Minn. Statutes 2004 62D.30

Audits and examinations

Group coverage, issued to employers not meeting contribution or participation, Minn. Statutes 2004 62L.03

Loss ratio standards, compliance audits, Minn. Statutes 2004 62A.021

Benefits

Generally, Minn. Statutes 2004 62L.05

Reinsurance, limitations, Minn. Statutes 2004 62L.19

Burden of proof, forms or rates, compliance with law, Minn. Statutes 2004 62A.02

Cancellation

Generally, Minn. Statutes 2004 62L.03

Health carriers, cessation of small employer business, limitations, Minn. Statutes 2004 62L.09

Certificates and certification

Health Coverage Reinsurance Association, nonparticipation, standards, Minn. Statutes 2004 62L.17

Cessation of business, Minn. Statutes 2004 62A.65

Coinsurance, Minn. Statutes 2004 62L.02, 62L.05

Collective bargaining agreements

Considered as separate small employers, Minn. Statutes 2004 62L.02

Guaranteed issue, exemption, Minn. Statutes 2004 62L.03

Compliance, Minn. Statutes 2004 62L.04

Conflict of laws

Portability of coverage, prevailing law, Minn. Statutes 2004 62Q.18

Contested cases, health carriers, Minn. Statutes 2004 62L.11

Continuation and conversion privileges

Continuous coverage, defined, Minn. Statutes 2004 62L.02

Generally, Minn. Statutes 2004 62A.65

Interpretation of law, Minn. Statutes 2004 62L.12

Copayment-type small employer plan

Copayments, Minn. Statutes 2004 62L.05

Generally, Minn. Statutes 2004 62L.05

Health maintenance organizations, rural demonstration project, waiver, Minn. Statutes 2004 62D.30

Coverage

Abortion, Minn. Statutes 2004 145.414

Alternative benefit plans, Minn. Statutes 2004 62L.05

Availability, Minn. Statutes 2004 62L.03, 62L.07

Cancellation, nonrenewal, or termination, unfair competition, unfair trade practices, Minn. Statutes 2004 62L.10

Compliance requirements, Minn. Statutes 2004 62L.04

Definitions, Minn. Statutes 2004 62L.045

Dependents, Minn. Statutes 2004 62A.302, 62L.05

Employer contributions, Minn. Statutes 2004 62L.03, 62L.04

Exceptions, Minn. Statutes 2004 62L.03

Exclusionary riders, Minn. Statutes 2004 62A.65

Federal regulations, conformity, Minn. Statutes 2004 62L.05

Generally, Minn. Statutes 2004 62L.05

Group coverage, employers not meeting contribution or participation, Minn. Statutes 2004 62L.03

Health carriers, duties, Minn. Statutes 2004 62L.03

Individual plans, offer, sale, issuance, or renewal, Minn. Statutes 2004 62L.12

Interpretation of law, Minn. Statutes 2004 62L.03, 62L.12

Minimum participation, Minn. Statutes 2004 62L.03

Minnesota Comprehensive Health Association (MCHA) enrollees, Minn. Statutes 2004 62L.03, 62L.045, 62L.05

Modification, Minn. Statutes 2004 62L.03

Nonhospital services, Minn. Statutes 2004 62L.05

Portability, individual market regulations, Minn. Statutes 2004 62A.65

Preexisting conditions, limitations or exclusions, Minn. Statutes 2004 62A.65

Qualified associations, Minn. Statutes 2004 62L.045

Qualifying coverage, Minn. Statutes 2004 62L.02, 62L.03

Renewability, disclosure requirements, Minn. Statutes 2004 62L.06

Replacement individual coverage, Minn. Statutes 2004 62L.04

Requirements, Minn. Statutes 2004 62L.05

Short-term coverage, Minn. Statutes 2004 62A.65

Stop loss coverage, claims settlement period, Minn. Statutes 2004 60A.236

Waivers, Minn. Statutes 2004 62L.03, 62L.07

Deductible-type small employer plan

Generally, Minn. Statutes 2004 62L.05

Health maintenance organizations, rural demonstration project, waiver, Minn. Statutes 2004 62D.30

Deductibles

Adjustment, Minn. Statutes 2004 62L.05

Alternative benefit plans, Minn. Statutes 2004 62L.05

Application of law, Minn. Statutes 2004 62L.05

Defined, Minn. Statutes 2004 62L.02

Definitions

Health care gross revenues tax, Minn. Statutes 2004 295.50

Small Employer Health Benefit Act, Minn. Statutes 2004 62L.02, 62L.045, 62L.05

Demonstration projects, Minn. Statutes 2004 62D.30, 62L.05

Disclosure, loss ratios, Minn. Statutes 2004 62A.021

Eligibility

Eligible employees, defined, Minn. Statutes 2004 62L.02

Exclusions, Minn. Statutes 2004 62L.02

Fraud or misrepresentation, coverage, Minn. Statutes 2004 62L.03

Self-employed persons, Minn. Statutes 2004 62L.02

Small employers, duties, Minn. Statutes 2004 62L.07

Verification, Minn. Statutes 2004 62L.07

Waiting periods, Minn. Statutes 2004 62L.02

Eligible charges, Minn. Statutes 2004 62L.02

Employees

Eligibility, Minn. Statutes 2004 62L.02, 62L.03, 62L.07

Notice received, coverage, availability and waiver, Minn. Statutes 2004 62L.07

Number of employees, Minn. Statutes 2004 62L.02

Taxes, payment by employer, Minn. Statutes 2004 62L.02

Employers, fraud or misrepresentation

Cancellation or nonrenewal, Minn. Statutes 2004 62L.03

Enforcement of law

Commerce Department, duties, Minn. Statutes 2004 62L.08, 62L.11

Health Department, duties, Minn. Statutes 2004 62L.11

Enrollees, waiting periods, Minn. Statutes 2004 62L.02

Exclusionary riders, Minn. Statutes 2004 62L.03

Gross revenues, defined, Minn. Statutes 2004 295.50

Group insurance, exemption, Minn. Statutes 2004 60A.02

Health benefit plans

Discontinued plans, cancellation or nonrenewal of coverage, Minn. Statutes 2004 62L.03

Generally, Minn. Statutes 2004 62L.02

Health carriers

Appeals, Health Coverage Reinsurance Association, Minn. Statutes 2004 62L.22

Application of law, Minn. Statutes 2004 62L.09

Assessments, Minn. Statutes 2004 62L.09, 62L.11

Cessation of small employer business, Minn. Statutes 2004 62L.03, 62L.09

Cessation of small employer status, cancellation or failure to renew, Minn. Statutes 2004 62L.03

Contested cases, Minn. Statutes 2004 62L.11

Data collection, Minn. Statutes 2004 62L.03

Defined, Minn. Statutes 2004 62L.02

Disclosure, Minn. Statutes 2004 62L.06

Duties, Minn. Statutes 2004 62L.05

Employee coverage, cancellation or nonrenewal, Minn. Statutes 2004 62L.03

Fines, Minn. Statutes 2004 62L.11

Health Coverage Reinsurance Association participation, election, Minn. Statutes 2004 62L.17

Index rates, regulation, Minn. Statutes 2004 62A.02

Individual market regulation, Minn. Statutes 2004 62A.65

Information given, data classification, Minn. Statutes 2004 62L.10

Liability, transfer of risk, claims, Minn. Statutes 2004 62L.20

Licenses or certificates of authority, suspension or revocation, Minn. Statutes 2004 62L.11

Loss ratios, filing, Minn. Statutes 2004 62A.021

Notice given, Minn. Statutes 2004 62L.09, 62L.20

Notice received, Health Coverage Reinsurance Association participation, Minn. Statutes 2004 62L.17

Provider contracts, medical expense reimbursements, Minn. Statutes 2004 62L.05

Qualified associations, arrangement, Minn. Statutes 2004 62L.045

Rate cells, Minn. Statutes 2004 62A.02

Rates, Minn. Statutes 2004 62A.021

Rating practices, data, classification, Minn. Statutes 2004 62L.10

Rating schedules, Minn. Statutes 2004 62A.021

Record keeping, duties, Minn. Statutes 2004 62L.10

Renewal underwriting practices, data, classification, Minn. Statutes 2004 62L.10

Reports given, Minn. Statutes 2004 62L.10

Small employer market, participation, Minn. Statutes 2004 62L.02, 62L.03

Termination of coverage, unfair and deceptive practices, unfair competition, Minn. Statutes 2004 62L.10

Violations and penalties, Minn. Statutes 2004 62L.11

Interpretation of law

Abortion, coverage, Minn. Statutes 2004 145.414

Continuation and conversion privileges, Minn. Statutes 2004 62L.12

Coverage, Minn. Statutes 2004 62L.03, 62L.12

Individual plans, offer, sale, issuance, or renewal, Minn. Statutes 2004 62L.12

Medicare supplement insurance, offer, sale, issuance, or renewal, Minn. Statutes 2004 62L.12

Issuance

Credits, Minn. Statutes 2004 62L.03

Guaranteed issue, Minn. Statutes 2004 62A.65, 62L.03 to 62L.05

Late entrants

Defined, Minn. Statutes 2004 62L.02

Exclusionary riders or exclusions, Minn. Statutes 2004 62L.03

Exclusions, Minn. Statutes 2004 62L.02

Preexisting conditions, Minn. Statutes 2004 62L.03

Underwriting restrictions, Minn. Statutes 2004 62L.03

Lists, terminated policyholders

Cessation of business, Minn. Statutes 2004 62A.65

Loss ratios

Compliance requirements, Minn. Statutes 2004 62A.65

Disclosure, Minn. Statutes 2004 62A.021

Filing requirements, Minn. Statutes 2004 62A.02, 62A.021

Phase-in, exclusions, Minn. Statutes 2004 62A.021

Reports about, Minn. Statutes 2004 62A.021

Standards, Minn. Statutes 2004 62A.021, 62L.045, 62L.08

Marketing, loss ratios, disclosure, Minn. Statutes 2004 62A.021

Medical expense reimbursements

Health carriers, provider contracts, Minn. Statutes 2004 62L.05

Medical necessity, defined, Minn. Statutes 2004 62L.02

Notice given

Forms or rates, request for hearing, Minn. Statutes 2004 62A.02

Health Coverage Reinsurance Association, ceding of risk, Minn. Statutes 2004 62L.17

Policyholders, cessation of business, Minn. Statutes 2004 62A.65

Notice received

Forms or rates, disapproval or withdrawal of approval, hearings, Minn. Statutes 2004 62A.02

Loss ratio requirements, deficiencies, Minn. Statutes 2004 62A.021

Orders, filed rates, reduction, Minn. Statutes 2004 62A.021

Out-of-pocket costs, limitations, Minn. Statutes 2004 62L.05

Phase-in provisions, Minn. Statutes 2004 62L.081

Plan design, Minn. Statutes 2004 62L.05

Policies

Application of law, Minn. Statutes 2004 62A.02

Approval, standards, Minn. Statutes 2004 62A.02

Filing requirements, Minn. Statutes 2004 62A.02

Individual policies, offer, sale, issuance, or renewal, Minn. Statutes 2004 62L.12

Issuance, Minn. Statutes 2004 62A.02

Loss ratios, Minn. Statutes 2004 62A.02, 62A.021

Medicare supplement insurance, offer, sale, issuance, or renewal, Minn. Statutes 2004 62L.12

Riders, preexisting conditions, exclusionary riders prohibited, Minn. Statutes 2004 62L.03

Policy of state

Abortion, coverage, Minn. Statutes 2004 145.414

Generally, Minn. Statutes 2004 62L.01

Policyholders

Notice received, health carriers, cessation of business, Minn. Statutes 2004 62A.65

Preexisting conditions

Defined, Minn. Statutes 2004 62L.02

Effect, disclosure requirements, Minn. Statutes 2004 62L.06

Exclusionary riders, Minn. Statutes 2004 62L.03

Limitations or exclusions, credits against, Minn. Statutes 2004 62L.03, 62L.045

Pregnancy, exclusion, Minn. Statutes 2004 62L.03

Underwriting restrictions, Minn. Statutes 2004 62L.03

Premiums

Assessments, effect, Minn. Statutes 2004 62L.08

Case characteristics, Minn. Statutes 2004 62L.02

Commerce Department, duties, Minn. Statutes 2004 62L.08, 62L.10

Compliance requirements, Minn. Statutes 2004 62L.08

Definitions, Minn. Statutes 2004 62L.02

Disclosure requirements, Minn. Statutes 2004 62L.06

Gender-based premiums, Minn. Statutes 2004 62L.08

Geographic variations, restriction exemptions, Minn. Statutes 2004 62D.30, 62L.08

Health carriers, duties, Minn. Statutes 2004 62L.06, 62L.10

Health Department, duties, Minn. Statutes 2004 62L.08, 62L.10

Health status, valid factors, Minn. Statutes 2004 62L.08

Marital status-based premiums, Minn. Statutes 2004 62L.08

Nonpayment, cancellation or refusal to renew, Minn. Statutes 2004 62L.03

Rate cells, Minn. Statutes 2004 62A.65, 62L.08

Rates

Adjustments, phase-in period, Minn. Statutes 2004 62L.081

Approval, reasonableness requirements, Minn. Statutes 2004 62L.08, 297I.05

Base premium rate, defined, Minn. Statutes 2004 62L.02

Compliance requirements, Minn. Statutes 2004 62L.045

Correction plans, Minn. Statutes 2004 62L.045

Geographic index rates, Minn. Statutes 2004 62L.08

Growth rate, limitations and requirements, Minn. Statutes 2004 62L.08

Index and rate development, criteria, Minn. Statutes 2004 62L.045, 62L.08

Index rate, defined, Minn. Statutes 2004 62L.02

Qualified associations, Minn. Statutes 2004 62L.045

Rate cells, filing requirements, Minn. Statutes 2004 62A.65

Regional index rates, requesting, Minn. Statutes 2004 62A.65

Renewals, increases, limitation, Minn. Statutes 2004 62L.08

Sampling, Minn. Statutes 2004 62L.045

Rating period, defined, Minn. Statutes 2004 62L.02

Rating practices, Minn. Statutes 2004 62L.10

Reports about, Minn. Statutes 2004 62L.08

Underwriting restrictions, Minn. Statutes 2004 62L.03 to 62L.045

Variations, Minn. Statutes 2004 62L.08

Violations and penalties, rates and rating practices, disapproval, Minn. Statutes 2004 62L.10

Provider networks, Minn. Statutes 2004 62L.05, 62L.06

Records and record keeping, health carriers, duties, Minn. Statutes 2004 62L.10

Renewal

Ceding of risk, Minn. Statutes 2004 62L.18

Credits, Minn. Statutes 2004 62L.03

Disclosure requirements, Minn. Statutes 2004 62L.06

Following health carriers' cessation of small employer business, Minn. Statutes 2004 62L.09

Generally, Minn. Statutes 2004 62L.03

Guaranteed renewal, Minn. Statutes 2004 62A.65, 62L.045

Limitations, Minn. Statutes 2004 62L.03

Premium rates, increases, limitation, Minn. Statutes 2004 62L.08

Reports given

Health care gross revenues taxes, qualifying exemptions, Minn. Statutes 2004 295.53

Risk-based rating, policy of state, Minn. Statutes 2004 62L.01

Rulemaking about

Group insurance benefits, continuation, Minn. Statutes 2004 62L.03, 62L.045

Short-term coverage, Minn. Statutes 2004 62A.65

Small Employer Health Benefit Act, Minn. Statutes 2004 62L.01 to 62L.22

Small employer market, Minn. Statutes 2004 62L.02

Small employers

Application of law, Minn. Statutes 2004 62L.02

Contributions, Minn. Statutes 2004 62L.03, 62L.04, 62L.11

Defined, Minn. Statutes 2004 62L.02

Employers ceasing to qualify, Minn. Statutes 2004 62L.03

Notice received, health carriers, cessation of small employer business, Minn. Statutes 2004 62L.09

Number of employees, Minn. Statutes 2004 62L.02

Participation, health carrier violations, effect on license, Minn. Statutes 2004 62L.11

Payments by, Minn. Statutes 2004 62L.02

Record keeping, group coverage, issuance to employers not meeting contribution or participation requirements, Minn. Statutes 2004 62L.03

Status, determination, Minn. Statutes 2004 62L.02

Verification of eligibility, duties, Minn. Statutes 2004 62L.07

Waivers of coverage, duties, Minn. Statutes 2004 62L.07

Staff model health plan companies

Small employer health benefit plans defined as, Minn. Statutes 2004 295.50

Stop loss coverage, claims settlement period, Minn. Statutes 2004 60A.236

Underwriting

Commerce Department, duties, Minn. Statutes 2004 62L.10

Compliance reports, Minn. Statutes 2004 62L.10

Disclosure requirements, Minn. Statutes 2004 62L.06

Gender-based decisions, Minn. Statutes 2004 62A.306, 62A.65

Health carriers, duties, Minn. Statutes 2004 62L.10

Health Department, duties, Minn. Statutes 2004 62L.10

Renewal underwriting, Minn. Statutes 2004 62L.10

Reports about, Minn. Statutes 2004 62L.10

Underwriting restrictions

Application of law, Minn. Statutes 2004 62L.04

Defined, Minn. Statutes 2004 62L.03

Discontinued plans, Minn. Statutes 2004 62L.03

Exclusionary riders, Minn. Statutes 2004 62L.03

Generally, Minn. Statutes 2004 62L.03

Group insurance benefits, continuation, Minn. Statutes 2004 62L.03, 62L.045

Late entrants, Minn. Statutes 2004 62L.03

Minnesota Comprehensive Health Association (MCHA) enrollees, Minn. Statutes 2004 62L.03

Preexisting conditions, Minn. Statutes 2004 62L.03

Unfair or deceptive trade practices, Minn. Statutes 2004 62A.021

Variations, Minn. Statutes 2004 62L.05

Violations and penalties

Agents, license revocation or suspension, Minn. Statutes 2004 62L.12

Cancellation or nonrenewal of coverage, Minn. Statutes 2004 62L.03

Commerce Department, duties, Minn. Statutes 2004 62L.11

Contested cases, Minn. Statutes 2004 62L.11

Employer violations, Minn. Statutes 2004 62L.12

Health carriers, Minn. Statutes 2004 62L.11

Individual policies, issuance, Minn. Statutes 2004 62L.12

Other products, sale of health benefit insurance conditioned on, Minn. Statutes 2004 62L.12

Policies, employer violations, Minn. Statutes 2004 62A.303

Premiums, rates and rating practices, disapproval, Minn. Statutes 2004 62L.10

Termination of coverage, unfair and deceptive practices, unfair competition, Minn. Statutes 2004 62L.10

Unfair or deceptive trade practices, generally, Minn. Statutes 2004 62A.021

Waiting periods, defined, Minn. Statutes 2004 62L.02

Waivers, coverage, Minn. Statutes 2004 62L.03, 62L.07