SMALL EMPLOYER HEALTH BENEFIT PLANS

See also HEALTH AND ACCIDENT INSURANCE

Accountable provider networks, compliance, Minn. Statutes 2005 62T.03

Accounting and bookkeeping

Billing procedures, health care gross revenues taxes, itemization restriction, Minn. Statutes 2005 295.53

Actuarial opinions, reports about, Minn. Statutes 2005 62L.10

Alternative benefit plans, Minn. Statutes 2005 62L.05

Assessments

Failure to pay, Minn. Statutes 2005 62L.11

Liability, Minn. Statutes 2005 62L.09

Associations

Generally, Minn. Statutes 2005 62L.045

Rural purchasing alliances, exclusion, Minn. Statutes 2005 62D.30

Audits and examinations

Group coverage, issued to employers not meeting contribution or participation, Minn. Statutes 2005 62L.03

Loss ratio standards, compliance audits, Minn. Statutes 2005 62A.021

Benefits

Generally, Minn. Statutes 2005 62L.05

Reinsurance, limitations, Minn. Statutes 2005 62L.19

Cancellation

Generally, Minn. Statutes 2005 62L.03

Health carriers, cessation of small employer business, limitations, Minn. Statutes 2005 62L.09

Certificates and certification

Health Coverage Reinsurance Association, nonparticipation, standards, Minn. Statutes 2005 62L.17

Cessation of business, Minn. Statutes 2005 62A.65

Coinsurance, Minn. Statutes 2005 62L.02, 62L.05

Collective bargaining agreements

Considered as separate small employers, Minn. Statutes 2005 62L.02

Guaranteed issue, exemption, Minn. Statutes 2005 62L.03

Compliance, Minn. Statutes 2005 62L.04

Conflict of laws

Portability of coverage, prevailing law, Minn. Statutes 2005 62Q.18

Contested cases, health carriers, Minn. Statutes 2005 62L.11

Continuation and conversion privileges

Generally, Minn. Statutes 2005 62A.65

Rulemaking, Minn. Statutes 2005 62L.03, 62L.045

Violations and penalties, Minn. Statutes 2005 62L.12

Copayment-type small employer plan

Generally, Minn. Statutes 2005 62L.05

Health maintenance organizations, rural demonstration project, waiver, Minn. Statutes 2005 62D.30

Coverage

Abortion, Minn. Statutes 2005 145.414

Availability, Minn. Statutes 2005 62L.03, 62L.07

Cancellation, nonrenewal, or termination, unfair competition, unfair trade practices, Minn. Statutes 2005 62L.10

Compliance requirements, Minn. Statutes 2005 62L.04

Dependents, Minn. Statutes 2005 62A.302, 62L.05

Employer contributions, Minn. Statutes 2005 62L.03, 62L.04

Exceptions, Minn. Statutes 2005 62L.03

Exclusionary riders, Minn. Statutes 2005 62A.65

Flexible benefits plans, Minn. Statutes 2005 62L.056

Generally, Minn. Statutes 2005 62L.05

Group coverage, employers not meeting contribution or participation, Minn. Statutes 2005 62L.03

Health carriers, duties, Minn. Statutes 2005 62L.03

Individual plans, offer, sale, issuance, or renewal, Minn. Statutes 2005 62L.12

Minimum participation, Minn. Statutes 2005 62L.03

Minnesota Comprehensive Health Association (MCHA) enrollees, Minn. Statutes 2005 62L.03, 62L.045, 62L.05

Modification, Minn. Statutes 2005 62L.03

Portability, individual market regulations, Minn. Statutes 2005 62A.65

Preexisting conditions, limitations or exclusions, Minn. Statutes 2005 62A.65

Qualified associations, Minn. Statutes 2005 62L.045

Qualifying coverage, Minn. Statutes 2005 62L.02, 62L.03

Renewability, disclosure requirements, Minn. Statutes 2005 62L.06

Replacement individual coverage, Minn. Statutes 2005 62L.04

Short-term coverage, Minn. Statutes 2005 62A.65

Stop loss coverage, claims settlement period, Minn. Statutes 2005 60A.236

Violations and penalties, Minn. Statutes 2005 62L.12

Waivers, Minn. Statutes 2005 62L.03, 62L.07

Deductible-type small employer plan

Generally, Minn. Statutes 2005 62L.05

Health maintenance organizations, rural demonstration project, waiver, Minn. Statutes 2005 62D.30

Deductibles, generally, Minn. Statutes 2005 62L.05

Definitions

Health care gross revenues tax, Minn. Statutes 2005 295.50

Small Employer Health Benefit Act, Minn. Statutes 2005 62L.02, 62L.03, 62L.05

Demonstration projects, Minn. Statutes 2005 62D.30, 62L.05

Disclosure, loss ratios, Minn. Statutes 2005 62A.021

Eligibility

Fraud or misrepresentation, coverage, Minn. Statutes 2005 62L.03

Generally, Minn. Statutes 2005 62L.02

Small employers, duties, Minn. Statutes 2005 62L.07

Verification, Minn. Statutes 2005 62L.07

Eligible charges, Minn. Statutes 2005 62L.02

Employees

Eligibility, Minn. Statutes 2005 62L.02, 62L.03, 62L.07

Notice received, coverage, availability and waiver, Minn. Statutes 2005 62L.07

Number of employees, Minn. Statutes 2005 62L.02

Taxes, payment by employer, Minn. Statutes 2005 62L.02

Employer-based voluntary purchasing pools, Minn. Statutes 2005 62Q.17

Employer violations, Minn. Statutes 2005 62L.12

Employers, fraud or misrepresentation

Cancellation or nonrenewal, Minn. Statutes 2005 62L.03

Enforcement of law

Commerce Department, duties, Minn. Statutes 2005 62L.08, 62L.11

Health Department, duties, Minn. Statutes 2005 62L.11

Enrollees, waiting periods, Minn. Statutes 2005 62L.02

Exclusionary riders, Minn. Statutes 2005 62L.03

Flexible benefits plans, Minn. Statutes 2005 62L.056

Group insurance, exemption, Minn. Statutes 2005 60A.02

Health benefit plans

Discontinued plans, cancellation or nonrenewal of coverage, Minn. Statutes 2005 62L.03

Flexible benefits plans, Minn. Statutes 2005 62L.056

Generally, Minn. Statutes 2005 62L.02

Health carriers

Appeals, Health Coverage Reinsurance Association, Minn. Statutes 2005 62L.22

Assessments, Minn. Statutes 2005 62L.09, 62L.11

Cessation of small employer business, Minn. Statutes 2005 62L.03, 62L.09

Cessation of small employer status, cancellation or failure to renew, Minn. Statutes 2005 62L.03

Contested cases, Minn. Statutes 2005 62L.11

Data collection, Minn. Statutes 2005 62L.03

Disclosure, Minn. Statutes 2005 62L.06

Duties, Minn. Statutes 2005 62L.05

Employee coverage, cancellation or nonrenewal, Minn. Statutes 2005 62L.03

Fines, Minn. Statutes 2005 62L.11

Health Coverage Reinsurance Association participation, election, Minn. Statutes 2005 62L.17

Index rates, regulation, Minn. Statutes 2005 62A.02

Individual market regulation, Minn. Statutes 2005 62A.65

Information given, data classification, Minn. Statutes 2005 62L.10

Liability, transfer of risk, claims, Minn. Statutes 2005 62L.20

Licenses or certificates of authority, suspension or revocation, Minn. Statutes 2005 62L.11

Loss ratios, filing, Minn. Statutes 2005 62A.021

Notice given, Minn. Statutes 2005 62L.09, 62L.20

Notice received, Health Coverage Reinsurance Association participation, Minn. Statutes 2005 62L.17

Provider contracts, medical expense reimbursements, Minn. Statutes 2005 62L.05

Qualified associations, arrangement, Minn. Statutes 2005 62L.045

Rate cells, Minn. Statutes 2005 62A.02

Rates, Minn. Statutes 2005 62A.021

Rating practices, data, classification, Minn. Statutes 2005 62L.10

Rating schedules, Minn. Statutes 2005 62A.021

Record keeping, duties, Minn. Statutes 2005 62L.10

Renewal underwriting practices, data, classification, Minn. Statutes 2005 62L.10

Reports given, Minn. Statutes 2005 62L.10

Small employer market, participation, Minn. Statutes 2005 62L.02, 62L.03

Termination of coverage, unfair and deceptive practices, unfair competition, Minn. Statutes 2005 62L.10

Violations and penalties, Minn. Statutes 2005 62L.11

Health plan policies issued as stop loss coverage, Minn. Statutes 2005 60A.235

Issuance

Credits, Minn. Statutes 2005 62L.03

Guaranteed issue, Minn. Statutes 2005 62A.65, 62L.03 to 62L.05

Joint self-insurance employee health plans, Minn. Statutes 2005 62H.04, 62H.08

Late entrants

Exclusions, Minn. Statutes 2005 62L.02

Generally, Minn. Statutes 2005 62L.03

Loss ratios

Compliance requirements, Minn. Statutes 2005 62A.65

Disclosure, Minn. Statutes 2005 62A.021

Filing requirements, Minn. Statutes 2005 62A.02, 62A.021

Phase-in, exclusions, Minn. Statutes 2005 62A.021

Reports about, Minn. Statutes 2005 62A.021

Standards, Minn. Statutes 2005 62A.021, 62L.045, 62L.08

Marketing, loss ratios, disclosure, Minn. Statutes 2005 62A.021

Medical expense reimbursements

Health carriers, provider contracts, Minn. Statutes 2005 62L.05

Notice given

Forms or rates, request for hearing, Minn. Statutes 2005 62A.02

Health Coverage Reinsurance Association, ceding of risk, Minn. Statutes 2005 62L.17

Policyholders, cessation of business, Minn. Statutes 2005 62A.65

Orders, filed rates, reduction, Minn. Statutes 2005 62A.021

Out-of-pocket costs, limitations, Minn. Statutes 2005 62L.05

Phase-in provisions, Minn. Statutes 2005 62L.081

Plan design, Minn. Statutes 2005 62L.05

Policies

Generally, Minn. Statutes 2005 62A.02

Individual policies, offer, sale, issuance, or renewal, Minn. Statutes 2005 62L.12

Loss ratios, Minn. Statutes 2005 62A.02, 62A.021

Medicare supplement insurance, offer, sale, issuance, or renewal, Minn. Statutes 2005 62L.12

Riders, preexisting conditions, exclusionary riders prohibited, Minn. Statutes 2005 62L.03

Policy of state

Abortion, coverage, Minn. Statutes 2005 145.414

Generally, Minn. Statutes 2005 62L.01

Policyholders

Notice received, health carriers, cessation of business, Minn. Statutes 2005 62A.65

Preexisting conditions

Effect, disclosure requirements, Minn. Statutes 2005 62L.06

Exclusionary riders, Minn. Statutes 2005 62L.03

Limitations or exclusions, credits against, Minn. Statutes 2005 62L.03, 62L.045

Pregnancy, exclusion, Minn. Statutes 2005 62L.03

Underwriting restrictions, Minn. Statutes 2005 62L.03

Premiums

Assessments, effect, Minn. Statutes 2005 62L.08

Case characteristics, Minn. Statutes 2005 62L.02

Commerce Department, duties, Minn. Statutes 2005 62L.08, 62L.10

Compliance requirements, Minn. Statutes 2005 62L.08

Disclosure requirements, Minn. Statutes 2005 62L.06

Gender-based premiums, Minn. Statutes 2005 62L.08

Geographic variations, restriction exemptions, Minn. Statutes 2005 62D.30, 62L.08

Health carriers, duties, Minn. Statutes 2005 62L.06, 62L.10

Health Department, duties, Minn. Statutes 2005 62L.08, 62L.10

Health status, valid factors, Minn. Statutes 2005 62L.08

Marital status-based premiums, Minn. Statutes 2005 62L.08

Nonpayment, cancellation or refusal to renew, Minn. Statutes 2005 62L.03

Rate cells, Minn. Statutes 2005 62A.65, 62L.08

Rates

Adjustments, phase-in period, Minn. Statutes 2005 62L.081

Approval, reasonableness requirements, Minn. Statutes 2005 62L.08, 297I.05

Base premium rate, defined, Minn. Statutes 2005 62L.02

Compliance requirements, Minn. Statutes 2005 62L.045

Correction plans, Minn. Statutes 2005 62L.045

Geographic index rates, Minn. Statutes 2005 62L.08

Growth rate, limitations and requirements, Minn. Statutes 2005 62L.08

Index and rate development, criteria, Minn. Statutes 2005 62L.045, 62L.08

Qualified associations, Minn. Statutes 2005 62L.045

Rate cells, filing requirements, Minn. Statutes 2005 62A.65

Regional index rates, requesting, Minn. Statutes 2005 62A.65

Renewals, increases, limitation, Minn. Statutes 2005 62L.08

Sampling, Minn. Statutes 2005 62L.045

Rating practices, Minn. Statutes 2005 62L.10

Reports about, Minn. Statutes 2005 62L.08

Underwriting restrictions, Minn. Statutes 2005 62L.03 to 62L.045

Variations, Minn. Statutes 2005 62L.08

Violations and penalties, rates and rating practices, disapproval, Minn. Statutes 2005 62L.10

Provider networks, Minn. Statutes 2005 62L.05, 62L.06

Records and record keeping, health carriers, duties, Minn. Statutes 2005 62L.10

Renewal

Ceding of risk, Minn. Statutes 2005 62L.18

Credits, Minn. Statutes 2005 62L.03

Disclosure requirements, Minn. Statutes 2005 62L.06

Following health carriers' cessation of small employer business, Minn. Statutes 2005 62L.09

Generally, Minn. Statutes 2005 62L.03

Guaranteed renewal, Minn. Statutes 2005 62A.65, 62L.045

Limitations, Minn. Statutes 2005 62L.03

Premium rates, increases, limitation, Minn. Statutes 2005 62L.08

Reports given

Health care gross revenues taxes, qualifying exemptions, Minn. Statutes 2005 295.53

Risk-based rating, policy of state, Minn. Statutes 2005 62L.01

Rulemaking about

Group insurance benefits, continuation, Minn. Statutes 2005 62L.03, 62L.045

Short-term coverage, Minn. Statutes 2005 62A.65

Small Employer Health Benefit Act, Minn. Statutes 2005 62L.01 to 62L.22

Small employer market, Minn. Statutes 2005 62L.02

Small employers

Contributions, Minn. Statutes 2005 62L.03, 62L.04, 62L.11

Defined, Minn. Statutes 2005 62L.02

Employers ceasing to qualify, Minn. Statutes 2005 62L.03

Notice received, health carriers, cessation of small employer business, Minn. Statutes 2005 62L.09

Number of employees, Minn. Statutes 2005 62L.02

Participation, health carrier violations, effect on license, Minn. Statutes 2005 62L.11

Payments by, Minn. Statutes 2005 62L.02

Record keeping, group coverage, issuance to employers not meeting contribution or participation requirements, Minn. Statutes 2005 62L.03

Status, determination, Minn. Statutes 2005 62L.02

Verification of eligibility, duties, Minn. Statutes 2005 62L.07

Waivers of coverage, duties, Minn. Statutes 2005 62L.07

Staff model health plan companies

Small employer health benefit plans defined as, Minn. Statutes 2005 295.50

Stop loss coverage, claims settlement period, Minn. Statutes 2005 60A.236

Underwriting

Disclosure requirements, Minn. Statutes 2005 62L.06

Gender-based decisions, Minn. Statutes 2005 62A.306, 62A.65

Generally, Minn. Statutes 2005 62L.10

Underwriting restrictions

Generally, Minn. Statutes 2005 62L.03

Group insurance benefits, continuation, Minn. Statutes 2005 62L.03, 62L.045

Unfair or deceptive trade practices, Minn. Statutes 2005 62A.021

Variations, Minn. Statutes 2005 62L.05

Violations and penalties

Agents, license revocation or suspension, Minn. Statutes 2005 62L.12

Commerce Department, duties, Minn. Statutes 2005 62L.11

Contested cases, Minn. Statutes 2005 62L.11

Individual policies, issuance, Minn. Statutes 2005 62L.12

Other products, sale of health benefit insurance conditioned on, Minn. Statutes 2005 62L.12

Policies, employer violations, Minn. Statutes 2005 62A.303

Premiums, rates and rating practices, disapproval, Minn. Statutes 2005 62L.10

Waivers, coverage, Minn. Statutes 2005 62L.03, 62L.07