SMALL EMPLOYER HEALTH BENEFIT PLANS

See also HEALTH AND ACCIDENT INSURANCE

Accountable provider networks, compliance, Minn. Statutes 2008 62T.03

Actuarial opinions, reports about, Minn. Statutes 2008 62L.10

Alternative benefit plans, Minn. Statutes 2008 62L.05

Assessments

Failure to pay, Minn. Statutes 2008 62L.11

Liability, Minn. Statutes 2008 62L.09

Associations

Generally, Minn. Statutes 2008 62L.045

Rural purchasing alliances, exclusion, Minn. Statutes 2008 62D.30

Audits and examinations

Group coverage, issued to employers not meeting contribution or participation, Minn. Statutes 2008 62L.03

Loss ratio standards, compliance audits, Minn. Statutes 2008 62A.021

Availability, notice, Minn. Statutes 2008 62L.05

Benefits

Generally, Minn. Statutes 2008 62L.05

Reinsurance, limitations, Minn. Statutes 2008 62L.19

Cancellation

Generally, Minn. Statutes 2008 62L.03

Health carriers, cessation of small employer business, limitations, Minn. Statutes 2008 62L.09

Certificates and certification, Health Coverage Reinsurance Association, nonparticipation, standards, Minn. Statutes 2008 62L.17

Cessation of business, Minn. Statutes 2008 62A.65

Coinsurance, Minn. Statutes 2008 62L.02, 2008 62L.05

Collective bargaining agreements

Considered as separate small employers, Minn. Statutes 2008 62L.02

Guaranteed issue, exemption, Minn. Statutes 2008 62L.03

Compliance, Minn. Statutes 2008 62L.04

Conflict of laws, portability of coverage, prevailing law, Minn. Statutes 2008 62Q.18

Contested cases, health carriers, Minn. Statutes 2008 62L.11

Continuation and conversion privileges

Generally, Minn. Statutes 2008 62A.65

Rulemaking, Minn. Statutes 2008 62L.03, 2008 62L.045

Violations and penalties, Minn. Statutes 2008 62L.12

Copayment-type small employer plan

Generally, Minn. Statutes 2008 62L.05

Health maintenance organizations, rural demonstration project, waiver, Minn. Statutes 2008 62D.30

Coverage

Abortion, Minn. Statutes 2008 145.414

Availability, Minn. Statutes 2008 62L.03, 2008 62L.07

Cancellation, nonrenewal, or termination, unfair competition, unfair trade practices, Minn. Statutes 2008 62L.10

Compliance requirements, Minn. Statutes 2008 62L.04

Dependents, Minn. Statutes 2008 62A.302, 2008 62L.05

Employer contributions, Minn. Statutes 2008 62L.03, 2008 62L.04

Exceptions, Minn. Statutes 2008 62L.03

Exclusionary riders, Minn. Statutes 2008 62A.65

Flexible benefits plans, Minn. Statutes 2008 62L.056

Generally, Minn. Statutes 2008 62L.05

Group coverage, employers not meeting contribution or participation, Minn. Statutes 2008 62L.03

Health carriers, duties, Minn. Statutes 2008 62L.03

Individual plans, offer, sale, issuance, or renewal, Minn. Statutes 2008 62L.12

Minimum participation, Minn. Statutes 2008 62L.03

Minnesota Comprehensive Health Association (MCHA) enrollees, Minn. Statutes 2008 62L.03, 2008 62L.045, 2008 62L.05

Modification, Minn. Statutes 2008 62L.03

Portability, individual market regulations, Minn. Statutes 2008 62A.65

Preexisting conditions, limitations or exclusions, Minn. Statutes 2008 62A.65

Qualified associations, Minn. Statutes 2008 62L.045

Qualifying coverage, Minn. Statutes 2008 62L.02, 2008 62L.03

Renewability, disclosure requirements, Minn. Statutes 2008 62L.06

Replacement individual coverage, Minn. Statutes 2008 62L.04

Short-term coverage, Minn. Statutes 2008 62A.65

Stop loss coverage, claims settlement period, Minn. Statutes 2008 60A.236

Violations and penalties, Minn. Statutes 2008 62L.12

Waivers, Minn. Statutes 2008 62L.03, 2008 62L.07

Deductible-type small employer plan

Generally, Minn. Statutes 2008 62L.05

Health maintenance organizations, rural demonstration project, waiver, Minn. Statutes 2008 62D.30

Deductibles, generally, Minn. Statutes 2008 62L.05

Definitions, Small Employer Health Benefit Act, Minn. Statutes 2008 62L.02, 2008 62L.03, 2008 62L.05

Demonstration projects, Minn. Statutes 2008 62D.30, 2008 62L.05

Disclosure, loss ratios, Minn. Statutes 2008 62A.021

Eligibility

Fraud or misrepresentation, coverage, Minn. Statutes 2008 62L.03

Generally, Minn. Statutes 2008 62L.02

Small employers, duties, Minn. Statutes 2008 62L.07

Verification, Minn. Statutes 2008 62L.07

Eligible charges, Minn. Statutes 2008 62L.02

Employees

Eligibility, Minn. Statutes 2008 62L.02, 2008 62L.03, 2008 62L.07

Notice received, coverage, availability and waiver, Minn. Statutes 2008 62L.07

Number of employees, Minn. Statutes 2008 62L.02

Taxes, payment by employer, Minn. Statutes 2008 62L.02

Employer violations, Minn. Statutes 2008 62L.12

Employer-based voluntary purchasing pools, Minn. Statutes 2008 62Q.17

Employers, fraud or misrepresentation

Cancellation or nonrenewal, Minn. Statutes 2008 62L.03

Enforcement of law

Commerce Department, duties, Minn. Statutes 2008 62L.08, 2008 62L.11

Health Department, duties, Minn. Statutes 2008 62L.11

Enrollees, waiting periods, Minn. Statutes 2008 62L.02

Exclusionary riders, Minn. Statutes 2008 62L.03

Flexible benefits plans, Minn. Statutes 2008 62L.056

Group insurance, exemption, Minn. Statutes 2008 60A.02

Health benefit plans

Discontinued plans, cancellation or nonrenewal of coverage, Minn. Statutes 2008 62L.03

Flexible benefits plans, Minn. Statutes 2008 62L.056

Generally, Minn. Statutes 2008 62L.02

Health care taxes, Minn. Statutes 2008 295.53

Health carriers

Appeals, Health Coverage Reinsurance Association, Minn. Statutes 2008 62L.22

Assessments, Minn. Statutes 2008 62L.09, 2008 62L.11

Cessation of small employer business, Minn. Statutes 2008 62L.03, 2008 62L.09

Cessation of small employer status, cancellation or failure to renew, Minn. Statutes 2008 62L.03

Contested cases, Minn. Statutes 2008 62L.11

Data collection, Minn. Statutes 2008 62L.03

Disclosure, Minn. Statutes 2008 62L.06

Duties, Minn. Statutes 2008 62L.05

Employee coverage, cancellation or nonrenewal, Minn. Statutes 2008 62L.03

Fines, Minn. Statutes 2008 62L.11

Health Coverage Reinsurance Association participation, election, Minn. Statutes 2008 62L.17

Index rates, regulation, Minn. Statutes 2008 62A.02

Individual market regulation, Minn. Statutes 2008 62A.65

Information given, data classification, Minn. Statutes 2008 62L.10

Liability, transfer of risk, claims, Minn. Statutes 2008 62L.20

Licenses or certificates of authority, suspension or revocation, Minn. Statutes 2008 62L.11

Loss ratios, filing, Minn. Statutes 2008 62A.021

Notice given, Minn. Statutes 2008 62L.09, 2008 62L.20

Notice received, Health Coverage Reinsurance Association participation, Minn. Statutes 2008 62L.17

Provider contracts, medical expense reimbursements, Minn. Statutes 2008 62L.05

Qualified associations, arrangement, Minn. Statutes 2008 62L.045

Rate cells, Minn. Statutes 2008 62A.02

Rates, Minn. Statutes 2008 62A.021

Rating practices, data, classification, Minn. Statutes 2008 62L.10

Rating schedules, Minn. Statutes 2008 62A.021

Record keeping, duties, Minn. Statutes 2008 62L.10

Renewal underwriting practices, data, classification, Minn. Statutes 2008 62L.10

Reports given, Minn. Statutes 2008 62L.10

Small employer market, participation, Minn. Statutes 2008 62L.02, 2008 62L.03

Termination of coverage, unfair and deceptive practices, unfair competition, Minn. Statutes 2008 62L.10

Violations and penalties, Minn. Statutes 2008 62L.11

Health plan policies issued as stop loss coverage, Minn. Statutes 2008 60A.235

Individual plans, Minn. Statutes 2008 62L.12

Issuance

Credits, Minn. Statutes 2008 62L.03

Guaranteed issue, Minn. Statutes 2008 62A.65, 2008 62L.03 to 2008 62L.05

Joint self-insurance employee health plans, Minn. Statutes 2008 62H.04, 2008 62H.08

Late entrants

Exclusions, Minn. Statutes 2008 62L.02

Generally, Minn. Statutes 2008 62L.03

Loss ratios

Compliance requirements, Minn. Statutes 2008 62A.65

Disclosure, Minn. Statutes 2008 62A.021

Filing requirements, Minn. Statutes 2008 62A.02, 2008 62A.021

Phase-in, exclusions, Minn. Statutes 2008 62A.021

Reports about, Minn. Statutes 2008 62A.021

Standards, Minn. Statutes 2008 62A.021, 2008 62L.045, 2008 62L.08

Marketing, loss ratios, disclosure, Minn. Statutes 2008 62A.021

Medical expense reimbursements

Health carriers, provider contracts, Minn. Statutes 2008 62L.05

Notice given

Forms or rates, request for hearing, Minn. Statutes 2008 62A.02

Health Coverage Reinsurance Association, ceding of risk, Minn. Statutes 2008 62L.17

Policyholders, cessation of business, Minn. Statutes 2008 62A.65

Orders, filed rates, reduction, Minn. Statutes 2008 62A.021

Out-of-pocket costs, limitations, Minn. Statutes 2008 62L.05

Phase-in provisions, Minn. Statutes 2008 62L.081

Plan availability, notice, Minn. Statutes 2008 62L.05

Plan design, Minn. Statutes 2008 62L.05

Policies

Generally, Minn. Statutes 2008 62A.02

Individual policies, offer, sale, issuance, or renewal, Minn. Statutes 2008 62L.12

Loss ratios, Minn. Statutes 2008 62A.02, 2008 62A.021

Medicare supplement insurance, offer, sale, issuance, or renewal, Minn. Statutes 2008 62L.12

Riders, preexisting conditions, exclusionary riders prohibited, Minn. Statutes 2008 62L.03

Policy of state

Abortion, coverage, Minn. Statutes 2008 145.414

Generally, Minn. Statutes 2008 62L.01

Policyholders, notice received, health carriers

Cessation of business, Minn. Statutes 2008 62A.65

Preexisting conditions

Effect, disclosure requirements, Minn. Statutes 2008 62L.06

Exclusionary riders, Minn. Statutes 2008 62L.03

Limitations or exclusions, credits against, Minn. Statutes 2008 62L.03, 2008 62L.045

Pregnancy, exclusion, Minn. Statutes 2008 62L.03

Underwriting restrictions, Minn. Statutes 2008 62L.03

Premiums

Assessments, effect, Minn. Statutes 2008 62L.08

Case characteristics, Minn. Statutes 2008 62L.02

Commerce Department, duties, Minn. Statutes 2008 62L.08, 2008 62L.10

Compliance requirements, Minn. Statutes 2008 62L.08

Disclosure requirements, Minn. Statutes 2008 62L.06

Gender-based premiums, Minn. Statutes 2008 62L.08

Geographic variations, restriction exemptions, Minn. Statutes 2008 62D.30, 2008 62L.08

Health carriers, duties, Minn. Statutes 2008 62L.06, 2008 62L.10

Health Department, duties, Minn. Statutes 2008 62L.08, 2008 62L.10

Health status, valid factors, Minn. Statutes 2008 62L.08

Marital status-based premiums, Minn. Statutes 2008 62L.08

Nonpayment, cancellation or refusal to renew, Minn. Statutes 2008 62L.03

Rate cells, Minn. Statutes 2008 62A.65, 2008 62L.08

Rates

Adjustments, phase-in period, Minn. Statutes 2008 62L.081

Approval, reasonableness requirements, Minn. Statutes 2008 62L.08, 2008 297I.05

Compliance requirements, Minn. Statutes 2008 62L.045

Correction plans, Minn. Statutes 2008 62L.045

Geographic index rates, Minn. Statutes 2008 62L.08

Growth rate, limitations and requirements, Minn. Statutes 2008 62L.08

Index and rate development, criteria, Minn. Statutes 2008 62L.045, 2008 62L.08

Qualified associations, Minn. Statutes 2008 62L.045

Rate cells, filing requirements, Minn. Statutes 2008 62A.65

Regional index rates, requesting, Minn. Statutes 2008 62A.65

Renewals, increases, limitation, Minn. Statutes 2008 62L.08

Sampling, Minn. Statutes 2008 62L.045

Rating practices, Minn. Statutes 2008 62L.10

Reports about, Minn. Statutes 2008 62L.08

Underwriting restrictions, Minn. Statutes 2008 62L.03 to 2008 62L.045

Variations, Minn. Statutes 2008 62L.08

Violations and penalties, rates and rating practices, disapproval, Minn. Statutes 2008 62L.10

Provider networks, Minn. Statutes 2008 62L.05, 2008 62L.06

Records and record keeping, health carriers, duties, Minn. Statutes 2008 62L.10

Renewal

Ceding of risk, Minn. Statutes 2008 62L.18

Disclosure requirements, Minn. Statutes 2008 62L.06

Following health carriers' cessation of small employer business, Minn. Statutes 2008 62L.09

Generally, Minn. Statutes 2008 62L.03

Guaranteed renewal, Minn. Statutes 2008 62A.65, 2008 62L.045

Premium rates, increases, limitation, Minn. Statutes 2008 62L.08

Reports given, health care taxes, qualifying exemptions, Minn. Statutes 2008 295.53

Risk-based rating, policy of state, Minn. Statutes 2008 62L.01

Rulemaking about

Group insurance benefits, continuation, Minn. Statutes 2008 62L.03, 2008 62L.045

Short-term coverage, Minn. Statutes 2008 62A.65

Small Employer Health Benefit Act, Minn. Statutes 2008 62L.01 to 2008 62L.22

Small employer market, Minn. Statutes 2008 62L.02

Small employers

Contributions, Minn. Statutes 2008 62L.03, 2008 62L.04, 2008 62L.11

Employers ceasing to qualify, Minn. Statutes 2008 62L.03

Notice received, health carriers, cessation of small employer business, Minn. Statutes 2008 62L.09

Number of employees, Minn. Statutes 2008 62L.02

Participation, health carrier violations, effect on license, Minn. Statutes 2008 62L.11

Payments by, Minn. Statutes 2008 62L.02

Record keeping, group coverage, issuance to employers not meeting contribution or participation requirements, Minn. Statutes 2008 62L.03

Status, determination, Minn. Statutes 2008 62L.02

Verification of eligibility, duties, Minn. Statutes 2008 62L.07

Waivers of coverage, duties, Minn. Statutes 2008 62L.07

Staff model health plan companies, health care taxes, Minn. Statutes 2008 295.50

Stop loss coverage, claims settlement period, Minn. Statutes 2008 60A.236

Underwriting restrictions

Generally, Minn. Statutes 2008 62L.03

Group insurance benefits, continuation, Minn. Statutes 2008 62L.03, 2008 62L.045

Underwriting

Disclosure requirements, Minn. Statutes 2008 62L.06

Gender-based decisions, Minn. Statutes 2008 62A.306, 2008 62A.65

Generally, Minn. Statutes 2008 62L.10

Unfair or deceptive trade practices, Minn. Statutes 2008 62A.021

Variations, Minn. Statutes 2008 62L.05

Violations and penalties

Agents, license revocation or suspension, Minn. Statutes 2008 62L.12

Commerce Department, duties, Minn. Statutes 2008 62L.11

Contested cases, Minn. Statutes 2008 62L.11

Individual policies, issuance, Minn. Statutes 2008 62L.12

Other products, sale of health benefit insurance conditioned on, Minn. Statutes 2008 62L.12

Policies, employer violations, Minn. Statutes 2008 62A.303

Premiums, rates and rating practices, disapproval, Minn. Statutes 2008 62L.10

Waivers, coverage, Minn. Statutes 2008 62L.03, 2008 62L.07