SMALL EMPLOYER HEALTH BENEFIT PLANS

See also HEALTH AND ACCIDENT INSURANCE

Accountable provider networks, compliance, Minn. Statutes 2006 62T.03

Actuarial opinions, reports about, Minn. Statutes 2006 62L.10

Alternative benefit plans, Minn. Statutes 2006 62L.05

Assessments

Failure to pay, Minn. Statutes 2006 62L.11

Liability, Minn. Statutes 2006 62L.09

Associations

Generally, Minn. Statutes 2006 62L.045

Rural purchasing alliances, exclusion, Minn. Statutes 2006 62D.30

Audits and examinations

Group coverage, issued to employers not meeting contribution or participation, Minn. Statutes 2006 62L.03

Loss ratio standards, compliance audits, Minn. Statutes 2006 62A.021

Benefits

Generally, Minn. Statutes 2006 62L.05

Reinsurance, limitations, Minn. Statutes 2006 62L.19

Cancellation

Generally, Minn. Statutes 2006 62L.03

Health carriers, cessation of small employer business, limitations, Minn. Statutes 2006 62L.09

Certificates and certification, Health Coverage Reinsurance Association, nonparticipation, standards, Minn. Statutes 2006 62L.17

Cessation of business, Minn. Statutes 2006 62A.65

Coinsurance, Minn. Statutes 2006 62L.02, 62L.05

Collective bargaining agreements

Considered as separate small employers, Minn. Statutes 2006 62L.02

Guaranteed issue, exemption, Minn. Statutes 2006 62L.03

Compliance, Minn. Statutes 2006 62L.04

Conflict of laws

Portability of coverage, prevailing law, Minn. Statutes 2006 62Q.18

Contested cases, health carriers, Minn. Statutes 2006 62L.11

Continuation and conversion privileges

Generally, Minn. Statutes 2006 62A.65

Rulemaking, Minn. Statutes 2006 62L.03, 62L.045

Violations and penalties, Minn. Statutes 2006 62L.12

Copayment-type small employer plan

Generally, Minn. Statutes 2006 62L.05

Health maintenance organizations, rural demonstration project, waiver, Minn. Statutes 2006 62D.30

Coverage

Abortion, Minn. Statutes 2006 145.414

Availability, Minn. Statutes 2006 62L.03, 62L.07

Cancellation, nonrenewal, or termination, unfair competition, unfair trade practices, Minn. Statutes 2006 62L.10

Compliance requirements, Minn. Statutes 2006 62L.04

Dependents, Minn. Statutes 2006 62A.302, 62L.05

Employer contributions, Minn. Statutes 2006 62L.03, 62L.04

Exceptions, Minn. Statutes 2006 62L.03

Exclusionary riders, Minn. Statutes 2006 62A.65

Flexible benefits plans, Minn. Statutes 2006 62L.056

Generally, Minn. Statutes 2006 62L.05

Group coverage, employers not meeting contribution or participation, Minn. Statutes 2006 62L.03

Health carriers, duties, Minn. Statutes 2006 62L.03

Individual plans, offer, sale, issuance, or renewal, Minn. Statutes 2006 62L.12

Minimum participation, Minn. Statutes 2006 62L.03

Minnesota Comprehensive Health Association (MCHA) enrollees, Minn. Statutes 2006 62L.03, 62L.045, 62L.05

Modification, Minn. Statutes 2006 62L.03

Portability, individual market regulations, Minn. Statutes 2006 62A.65

Preexisting conditions, limitations or exclusions, Minn. Statutes 2006 62A.65

Qualified associations, Minn. Statutes 2006 62L.045

Qualifying coverage, Minn. Statutes 2006 62L.02, 62L.03

Renewability, disclosure requirements, Minn. Statutes 2006 62L.06

Replacement individual coverage, Minn. Statutes 2006 62L.04

Short-term coverage, Minn. Statutes 2006 62A.65

Stop loss coverage, claims settlement period, Minn. Statutes 2006 60A.236

Violations and penalties, Minn. Statutes 2006 62L.12

Waivers, Minn. Statutes 2006 62L.03, 62L.07

Deductible-type small employer plan

Generally, Minn. Statutes 2006 62L.05

Health maintenance organizations, rural demonstration project, waiver, Minn. Statutes 2006 62D.30

Deductibles, generally, Minn. Statutes 2006 62L.05

Definitions, Small Employer Health Benefit Act, Minn. Statutes 2006 62L.02, 62L.03, 62L.05

Demonstration projects, Minn. Statutes 2006 62D.30, 62L.05

Disclosure, loss ratios, Minn. Statutes 2006 62A.021

Eligibility

Fraud or misrepresentation, coverage, Minn. Statutes 2006 62L.03

Generally, Minn. Statutes 2006 62L.02

Small employers, duties, Minn. Statutes 2006 62L.07

Verification, Minn. Statutes 2006 62L.07

Eligible charges, Minn. Statutes 2006 62L.02

Employees

Eligibility, Minn. Statutes 2006 62L.02, 62L.03, 62L.07

Notice received, coverage, availability and waiver, Minn. Statutes 2006 62L.07

Number of employees, Minn. Statutes 2006 62L.02

Taxes, payment by employer, Minn. Statutes 2006 62L.02

Employer-based voluntary purchasing pools, Minn. Statutes 2006 62Q.17

Employer violations, Minn. Statutes 2006 62L.12

Employers, fraud or misrepresentation

Cancellation or nonrenewal, Minn. Statutes 2006 62L.03

Enforcement of law

Commerce Department, duties, Minn. Statutes 2006 62L.08, 62L.11

Health Department, duties, Minn. Statutes 2006 62L.11

Enrollees, waiting periods, Minn. Statutes 2006 62L.02

Exclusionary riders, Minn. Statutes 2006 62L.03

Flexible benefits plans, Minn. Statutes 2006 62L.056

Group insurance, exemption, Minn. Statutes 2006 60A.02

Health benefit plans

Discontinued plans, cancellation or nonrenewal of coverage, Minn. Statutes 2006 62L.03

Flexible benefits plans, Minn. Statutes 2006 62L.056

Generally, Minn. Statutes 2006 62L.02

Health care taxes, Minn. Statutes 2006 295.53

Health carriers

Appeals, Health Coverage Reinsurance Association, Minn. Statutes 2006 62L.22

Assessments, Minn. Statutes 2006 62L.09, 62L.11

Cessation of small employer business, Minn. Statutes 2006 62L.03, 62L.09

Cessation of small employer status, cancellation or failure to renew, Minn. Statutes 2006 62L.03

Contested cases, Minn. Statutes 2006 62L.11

Data collection, Minn. Statutes 2006 62L.03

Disclosure, Minn. Statutes 2006 62L.06

Duties, Minn. Statutes 2006 62L.05

Employee coverage, cancellation or nonrenewal, Minn. Statutes 2006 62L.03

Fines, Minn. Statutes 2006 62L.11

Health Coverage Reinsurance Association participation, election, Minn. Statutes 2006 62L.17

Index rates, regulation, Minn. Statutes 2006 62A.02

Individual market regulation, Minn. Statutes 2006 62A.65

Information given, data classification, Minn. Statutes 2006 62L.10

Liability, transfer of risk, claims, Minn. Statutes 2006 62L.20

Licenses or certificates of authority, suspension or revocation, Minn. Statutes 2006 62L.11

Loss ratios, filing, Minn. Statutes 2006 62A.021

Notice given, Minn. Statutes 2006 62L.09, 62L.20

Notice received, Health Coverage Reinsurance Association participation, Minn. Statutes 2006 62L.17

Provider contracts, medical expense reimbursements, Minn. Statutes 2006 62L.05

Qualified associations, arrangement, Minn. Statutes 2006 62L.045

Rate cells, Minn. Statutes 2006 62A.02

Rates, Minn. Statutes 2006 62A.021

Rating practices, data, classification, Minn. Statutes 2006 62L.10

Rating schedules, Minn. Statutes 2006 62A.021

Record keeping, duties, Minn. Statutes 2006 62L.10

Renewal underwriting practices, data, classification, Minn. Statutes 2006 62L.10

Reports given, Minn. Statutes 2006 62L.10

Small employer market, participation, Minn. Statutes 2006 62L.02, 62L.03

Termination of coverage, unfair and deceptive practices, unfair competition, Minn. Statutes 2006 62L.10

Violations and penalties, Minn. Statutes 2006 62L.11

Health plan policies issued as stop loss coverage, Minn. Statutes 2006 60A.235

Individual plans, Minn. Statutes 2006 62L.12

Issuance

Credits, Minn. Statutes 2006 62L.03

Guaranteed issue, Minn. Statutes 2006 62A.65, 62L.03 to 62L.05

Joint self-insurance employee health plans, Minn. Statutes 2006 62H.04, 62H.08

Late entrants

Exclusions, Minn. Statutes 2006 62L.02

Generally, Minn. Statutes 2006 62L.03

Loss ratios

Compliance requirements, Minn. Statutes 2006 62A.65

Disclosure, Minn. Statutes 2006 62A.021

Filing requirements, Minn. Statutes 2006 62A.02, 62A.021

Phase-in, exclusions, Minn. Statutes 2006 62A.021

Reports about, Minn. Statutes 2006 62A.021

Standards, Minn. Statutes 2006 62A.021, 62L.045, 62L.08

Marketing, loss ratios, disclosure, Minn. Statutes 2006 62A.021

Medical expense reimbursements

Health carriers, provider contracts, Minn. Statutes 2006 62L.05

Notice given

Forms or rates, request for hearing, Minn. Statutes 2006 62A.02

Health Coverage Reinsurance Association, ceding of risk, Minn. Statutes 2006 62L.17

Policyholders, cessation of business, Minn. Statutes 2006 62A.65

Orders, filed rates, reduction, Minn. Statutes 2006 62A.021

Out-of-pocket costs, limitations, Minn. Statutes 2006 62L.05

Phase-in provisions, Minn. Statutes 2006 62L.081

Plan design, Minn. Statutes 2006 62L.05

Policies

Generally, Minn. Statutes 2006 62A.02

Individual policies, offer, sale, issuance, or renewal, Minn. Statutes 2006 62L.12

Loss ratios, Minn. Statutes 2006 62A.02, 62A.021

Medicare supplement insurance, offer, sale, issuance, or renewal, Minn. Statutes 2006 62L.12

Riders, preexisting conditions, exclusionary riders prohibited, Minn. Statutes 2006 62L.03

Policy of state

Abortion, coverage, Minn. Statutes 2006 145.414

Generally, Minn. Statutes 2006 62L.01

Policyholders, notice received, health carriers

Cessation of business, Minn. Statutes 2006 62A.65

Preexisting conditions

Effect, disclosure requirements, Minn. Statutes 2006 62L.06

Exclusionary riders, Minn. Statutes 2006 62L.03

Limitations or exclusions, credits against, Minn. Statutes 2006 62L.03, 62L.045

Pregnancy, exclusion, Minn. Statutes 2006 62L.03

Underwriting restrictions, Minn. Statutes 2006 62L.03

Premiums

Assessments, effect, Minn. Statutes 2006 62L.08

Case characteristics, Minn. Statutes 2006 62L.02

Commerce Department, duties, Minn. Statutes 2006 62L.08, 62L.10

Compliance requirements, Minn. Statutes 2006 62L.08

Disclosure requirements, Minn. Statutes 2006 62L.06

Gender-based premiums, Minn. Statutes 2006 62L.08

Geographic variations, restriction exemptions, Minn. Statutes 2006 62D.30, 62L.08

Health carriers, duties, Minn. Statutes 2006 62L.06, 62L.10

Health Department, duties, Minn. Statutes 2006 62L.08, 62L.10

Health status, valid factors, Minn. Statutes 2006 62L.08

Marital status-based premiums, Minn. Statutes 2006 62L.08

Nonpayment, cancellation or refusal to renew, Minn. Statutes 2006 62L.03

Rate cells, Minn. Statutes 2006 62A.65, 62L.08

Rates

Adjustments, phase-in period, Minn. Statutes 2006 62L.081

Approval, reasonableness requirements, Minn. Statutes 2006 62L.08, 297I.05

Compliance requirements, Minn. Statutes 2006 62L.045

Correction plans, Minn. Statutes 2006 62L.045

Geographic index rates, Minn. Statutes 2006 62L.08

Growth rate, limitations and requirements, Minn. Statutes 2006 62L.08

Index and rate development, criteria, Minn. Statutes 2006 62L.045, 62L.08

Qualified associations, Minn. Statutes 2006 62L.045

Rate cells, filing requirements, Minn. Statutes 2006 62A.65

Regional index rates, requesting, Minn. Statutes 2006 62A.65

Renewals, increases, limitation, Minn. Statutes 2006 62L.08

Sampling, Minn. Statutes 2006 62L.045

Rating practices, Minn. Statutes 2006 62L.10

Reports about, Minn. Statutes 2006 62L.08

Underwriting restrictions, Minn. Statutes 2006 62L.03 to 62L.045

Variations, Minn. Statutes 2006 62L.08

Violations and penalties, rates and rating practices, disapproval, Minn. Statutes 2006 62L.10

Provider networks, Minn. Statutes 2006 62L.05, 62L.06

Records and record keeping, health carriers, duties, Minn. Statutes 2006 62L.10

Renewal

Ceding of risk, Minn. Statutes 2006 62L.18

Disclosure requirements, Minn. Statutes 2006 62L.06

Following health carriers' cessation of small employer business, Minn. Statutes 2006 62L.09

Generally, Minn. Statutes 2006 62L.03

Guaranteed renewal, Minn. Statutes 2006 62A.65, 62L.045

Premium rates, increases, limitation, Minn. Statutes 2006 62L.08

Reports given

Health care taxes, qualifying exemptions, Minn. Statutes 2006 295.53

Risk-based rating, policy of state, Minn. Statutes 2006 62L.01

Rulemaking about

Group insurance benefits, continuation, Minn. Statutes 2006 62L.03, 62L.045

Short-term coverage, Minn. Statutes 2006 62A.65

Small Employer Health Benefit Act, Minn. Statutes 2006 62L.01 to 62L.22

Small employer market, Minn. Statutes 2006 62L.02

Small employers

Contributions, Minn. Statutes 2006 62L.03, 62L.04, 62L.11

Employers ceasing to qualify, Minn. Statutes 2006 62L.03

Notice received, health carriers, cessation of small employer business, Minn. Statutes 2006 62L.09

Number of employees, Minn. Statutes 2006 62L.02

Participation, health carrier violations, effect on license, Minn. Statutes 2006 62L.11

Payments by, Minn. Statutes 2006 62L.02

Record keeping, group coverage, issuance to employers not meeting contribution or participation requirements, Minn. Statutes 2006 62L.03

Status, determination, Minn. Statutes 2006 62L.02

Verification of eligibility, duties, Minn. Statutes 2006 62L.07

Waivers of coverage, duties, Minn. Statutes 2006 62L.07

Staff model health plan companies

Health care taxes, Minn. Statutes 2006 295.50

Stop loss coverage, claims settlement period, Minn. Statutes 2006 60A.236

Underwriting

Disclosure requirements, Minn. Statutes 2006 62L.06

Gender-based decisions, Minn. Statutes 2006 62A.306, 62A.65

Generally, Minn. Statutes 2006 62L.10

Underwriting restrictions

Generally, Minn. Statutes 2006 62L.03

Group insurance benefits, continuation, Minn. Statutes 2006 62L.03, 62L.045

Unfair or deceptive trade practices, Minn. Statutes 2006 62A.021

Variations, Minn. Statutes 2006 62L.05

Violations and penalties

Agents, license revocation or suspension, Minn. Statutes 2006 62L.12

Commerce Department, duties, Minn. Statutes 2006 62L.11

Contested cases, Minn. Statutes 2006 62L.11

Individual policies, issuance, Minn. Statutes 2006 62L.12

Other products, sale of health benefit insurance conditioned on, Minn. Statutes 2006 62L.12

Policies, employer violations, Minn. Statutes 2006 62A.303

Premiums, rates and rating practices, disapproval, Minn. Statutes 2006 62L.10

Waivers, coverage, Minn. Statutes 2006 62L.03, 62L.07