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Minnesota Legislature

Office of the Revisor of Statutes

SMALL EMPLOYER HEALTH BENEFIT PLANS

See also HEALTH AND ACCIDENT INSURANCE

Accountable provider networks, compliance, Minn. Statutes 2014 62T.03

Accreditation standards, Minn. Statutes 2014 62K.09

Actuarial opinions, reports about, Minn. Statutes 2014 62L.10

Assessments

Failure to pay, Minn. Statutes 2014 62L.11

Liability, Minn. Statutes 2014 62L.09

Associations

Generally, Minn. Statutes 2014 62L.045

Rural purchasing alliances, exclusion, Minn. Statutes 2014 62D.30

Audits and examinations

Group coverage, issued to employers not meeting contribution or participation, Minn. Statutes 2014 62L.03

Loss ratio standards, compliance audits, Minn. Statutes 2014 62A.021

Benefits

Generally, Minn. Statutes 2014 62L.05

Reinsurance, limitations, Minn. Statutes 2014 62L.19

Cancellation

Generally, Minn. Statutes 2014 62L.03

Health carriers, cessation of small employer business, limitations, Minn. Statutes 2014 62L.09

Certificates and certification, Health Coverage Reinsurance Association, nonparticipation, standards, Minn. Statutes 2014 62L.17

Cessation of business, Minn. Statutes 2014 62A.65

Coinsurance, Minn. Statutes 2014 62L.02

Collective bargaining agreements

Considered as separate small employers, Minn. Statutes 2014 62L.02

Guaranteed issue, exemption, Minn. Statutes 2014 62L.03

Compliance, Minn. Statutes 2014 62L.04

Conflict of laws, portability of coverage, prevailing law, Minn. Statutes 2014 62Q.18

Contested cases, health carriers, Minn. Statutes 2014 62L.11

Continuation and conversion privileges

Generally, Minn. Statutes 2014 62A.65

Rulemaking, Minn. Statutes 2014 62L.03, 2014 62L.045

Violations and penalties, Minn. Statutes 2014 62L.12

Copayment-type small employer plan, health maintenance organizations, rural demonstration project, waiver, Minn. Statutes 2014 62D.30

Coverage

Abortion, Minn. Statutes 2014 145.414

Availability, Minn. Statutes 2014 62L.03, 2014 62L.07

Cancellation, nonrenewal, or termination, unfair competition, unfair trade practices, Minn. Statutes 2014 62L.10

Compliance requirements, Minn. Statutes 2014 62L.04

Dependents, Minn. Statutes 2014 62A.302, 2014 62L.05

Employer contributions, Minn. Statutes 2014 62L.03, 2014 62L.04

Exceptions, Minn. Statutes 2014 62L.03

Exclusionary riders, Minn. Statutes 2014 62A.65

Flexible benefits plans, Minn. Statutes 2014 62Q.188

Generally, Minn. Statutes 2014 62L.05

Group coverage, employers not meeting contribution or participation, Minn. Statutes 2014 62L.03

Health carriers, duties, Minn. Statutes 2014 62L.03

Individual plans, offer, sale, issuance, or renewal, Minn. Statutes 2014 62L.12

Minimum participation, Minn. Statutes 2014 62L.03

Minnesota Comprehensive Health Association (MCHA) enrollees, Minn. Statutes 2014 62L.03, 2014 62L.045

Modification, Minn. Statutes 2014 62L.03

Portability, individual market regulations, Minn. Statutes 2014 62A.65

Preexisting conditions, limitations or exclusions, Minn. Statutes 2014 62A.65

Qualified associations, Minn. Statutes 2014 62L.045

Qualifying coverage, Minn. Statutes 2014 62L.03

Renewability, disclosure requirements, Minn. Statutes 2014 62L.06

Replacement individual coverage, Minn. Statutes 2014 62L.04

Short-term coverage, Minn. Statutes 2014 62A.65

Stop loss coverage, claims settlement period, Minn. Statutes 2014 60A.236

Violations and penalties, Minn. Statutes 2014 62L.12

Waivers, Minn. Statutes 2014 62L.03, 2014 62L.07

Deductible-type small employer plan, health maintenance organizations, rural demonstration project, waiver, Minn. Statutes 2014 62D.30

Definitions, Small Employer Health Benefit Act, Minn. Statutes 2014 62L.02, 2014 62L.03

Demonstration projects, Minn. Statutes 2014 62D.30

Dental plans, Minn. Statutes 2014 62K.03, 2014 62K.14

Disclosure

Affordable Care Act requirements, Minn. Statutes 2014 62K.07

Loss ratios, Minn. Statutes 2014 62A.021

Solicitation and sales materials, Minn. Statutes 2014 62A.65

Eligibility

Fraud or misrepresentation, coverage, Minn. Statutes 2014 62L.03

Generally, Minn. Statutes 2014 62L.02

Small employers, duties, Minn. Statutes 2014 62L.07

Verification, Minn. Statutes 2014 62L.07

Eligible charges, Minn. Statutes 2014 62L.02

Employees

Eligibility, Minn. Statutes 2014 62L.02, 2014 62L.03, 2014 62L.07

Notice received, coverage, availability and waiver, Minn. Statutes 2014 62L.07

Number of employees, Minn. Statutes 2014 62L.02

Taxes, payment by employer, Minn. Statutes 2014 62L.02

Employer violations, Minn. Statutes 2014 62L.12

Employer-based voluntary purchasing pools, Minn. Statutes 2014 62Q.17

Employers, fraud or misrepresentation, cancellation or nonrenewal, Minn. Statutes 2014 62L.03

Enforcement of law

Commerce Department, duties, Minn. Statutes 2014 62L.08, 2014 62L.11

Health Department, duties, Minn. Statutes 2014 62L.11

Enrollees, waiting periods, Minn. Statutes 2014 62L.02

Exclusionary riders, Minn. Statutes 2014 62L.03

Flexible benefits plans, Minn. Statutes 2014 62Q.188

Group insurance, exemption, Minn. Statutes 2014 60A.02

Health benefit plans

Discontinued plans, cancellation or nonrenewal of coverage, Minn. Statutes 2014 62L.03

Flexible benefits plans, Minn. Statutes 2014 62Q.188

Generally, Minn. Statutes 2014 62L.02

Health care taxes, Minn. Statutes 2014 295.53

Health carriers

Accreditation standards, Minn. Statutes 2014 62K.09

Appeals, Health Coverage Reinsurance Association, Minn. Statutes 2014 62L.22

Assessments, Minn. Statutes 2014 62L.09, 2014 62L.11

Cessation of small employer business, Minn. Statutes 2014 62L.03, 2014 62L.09

Contested cases, Minn. Statutes 2014 62L.11

Data collection, Minn. Statutes 2014 62L.03

Disclosure, Minn. Statutes 2014 62K.07, 2014 62L.06

Employee coverage, cancellation or nonrenewal, Minn. Statutes 2014 62L.03

Fines, Minn. Statutes 2014 62L.11

Generally, Minn. Statutes 2014 62L.10

Health Coverage Reinsurance Association participation, election, Minn. Statutes 2014 62L.17

Index rates, regulation, Minn. Statutes 2014 62A.02

Individual market regulation, Minn. Statutes 2014 62A.65

Liability, transfer of risk, claims, Minn. Statutes 2014 62L.20

Licenses or certificates of authority, suspension or revocation, Minn. Statutes 2014 62L.11

Loss ratios, filing, Minn. Statutes 2014 62A.021

Marketing standards under Affordable Care Act, Minn. Statutes 2014 62K.08

Notice given, Minn. Statutes 2014 62L.09, 2014 62L.20

Notice received, Health Coverage Reinsurance Association participation, Minn. Statutes 2014 62L.17

Qualified associations, arrangement, Minn. Statutes 2014 62L.045

Rate cells, Minn. Statutes 2014 62A.02

Rates, Minn. Statutes 2014 62A.021

Rating schedules, Minn. Statutes 2014 62A.021

Small employer market, participation, Minn. Statutes 2014 62L.02, 2014 62L.03

Violations and penalties, Minn. Statutes 2014 62L.11

Health plan policies issued as stop loss coverage, Minn. Statutes 2014 60A.235

Individual plans, Minn. Statutes 2014 62L.12

Issuance, guaranteed issue, Minn. Statutes 2014 62L.03 to 2014 62L.05

Joint self-insurance employee health plans, Minn. Statutes 2014 62H.04, 2014 62H.08

Late entrants

Exclusions, Minn. Statutes 2014 62L.02

Generally, Minn. Statutes 2014 62L.03

Loss ratios

Compliance requirements, Minn. Statutes 2014 62A.65

Filing requirements, Minn. Statutes 2014 62A.02, 2014 62A.021

Generally, Minn. Statutes 2014 62A.021

Standards, Minn. Statutes 2014 62A.021, 2014 62L.045, 2014 62L.08

Marketing

Loss ratios, disclosure, Minn. Statutes 2014 62A.021

Standards under Affordable Care Act, Minn. Statutes 2014 62K.08

Orders, filed rates, reduction, Minn. Statutes 2014 62A.021

Policies

Generally, Minn. Statutes 2014 62A.02

Individual policies, offer, sale, issuance, or renewal, Minn. Statutes 2014 62L.12

Loss ratios, Minn. Statutes 2014 62A.02, 2014 62A.021

Medicare supplement insurance, offer, sale, issuance, or renewal, Minn. Statutes 2014 62L.12

Riders, preexisting conditions, exclusionary riders prohibited, Minn. Statutes 2014 62L.03

Policy of state

Abortion, coverage, Minn. Statutes 2014 145.414

Generally, Minn. Statutes 2014 62L.01

Policyholders, notice received, health carriers, cessation of business, Minn. Statutes 2014 62A.65

Preexisting conditions

Effect, disclosure requirements, Minn. Statutes 2014 62L.06

Generally, Minn. Statutes 2014 62L.03

Premiums

Case characteristics, Minn. Statutes 2014 62L.02

Commerce Department, duties, Minn. Statutes 2014 62L.08, 2014 62L.10

Disclosure requirements, Minn. Statutes 2014 62L.06

Generally, Minn. Statutes 2014 62L.08

Geographic variations, restriction exemptions, Minn. Statutes 2014 62D.30, 2014 62L.08

Health carriers, duties, Minn. Statutes 2014 62L.06, 2014 62L.10

Health Department, duties, Minn. Statutes 2014 62L.08, 2014 62L.10

Nonpayment, cancellation or refusal to renew, Minn. Statutes 2014 62L.03

Rate cells, Minn. Statutes 2014 62A.65

Rates

Approval, reasonableness requirements, Minn. Statutes 2014 62L.08, 2014 297I.05

Disclosure, Minn. Statutes 2014 62A.65

Generally, Minn. Statutes 2014 62L.08

Rate cells, filing requirements, Minn. Statutes 2014 62A.65

Rate development, criteria, Minn. Statutes 2014 62L.08

Regional index rates, requesting, Minn. Statutes 2014 62A.65

Rating practices, Minn. Statutes 2014 62L.10

Underwriting restrictions, Minn. Statutes 2014 62L.03 to 2014 62L.045

Provider networks, Minn. Statutes 2014 62K.10, 2014 62L.06

Providers, billing, Minn. Statutes 2014 62K.11

Quality assurance and improvement, Minn. Statutes 2014 62K.12

Records and record keeping, health carriers, duties, Minn. Statutes 2014 62L.10

Renewal

Ceding of risk, Minn. Statutes 2014 62L.18

Disclosure requirements, Minn. Statutes 2014 62L.06

Following health carriers' cessation of small employer business, Minn. Statutes 2014 62L.09

Generally, Minn. Statutes 2014 62L.03

Guaranteed renewal, Minn. Statutes 2014 62A.65, 2014 62L.045

Premium rates, increases, limitation, Minn. Statutes 2014 62L.08

Reports given, health care taxes, qualifying exemptions, Minn. Statutes 2014 295.53

Risk pools, Minn. Statutes 2014 62A.65

Risk-based rating, policy of state, Minn. Statutes 2014 62L.01

Rulemaking about, group insurance benefits, continuation, Minn. Statutes 2014 62L.03, 2014 62L.045

Service area requirements, Minn. Statutes 2014 62K.13

Short-term coverage, Minn. Statutes 2014 62A.65

Small Employer Health Benefit Act, Minn. Statutes 2014 62L.01 to 2014 62L.22

Small employer market, Minn. Statutes 2014 62L.02

Small employers

Contributions, Minn. Statutes 2014 62L.03, 2014 62L.04, 2014 62L.11

Employers ceasing to qualify, Minn. Statutes 2014 62L.03

Generally, Minn. Statutes 2014 62L.02

Notice received, health carriers, cessation of small employer business, Minn. Statutes 2014 62L.09

Participation, health carrier violations, effect on license, Minn. Statutes 2014 62L.11

Record keeping, group coverage, issuance to employers not meeting contribution or participation requirements, Minn. Statutes 2014 62L.03

Verification of eligibility, duties, Minn. Statutes 2014 62L.07

Waivers of coverage, duties, Minn. Statutes 2014 62L.07

Staff model health plan companies, health care taxes, Minn. Statutes 2014 295.50

Stop loss coverage, claims settlement period, Minn. Statutes 2014 60A.236

Tobacco rating, Minn. Statutes 2014 62L.08

Underwriting restrictions

Generally, Minn. Statutes 2014 62L.03

Group insurance benefits, continuation, Minn. Statutes 2014 62L.03, 2014 62L.045

Underwriting

Disclosure requirements, Minn. Statutes 2014 62L.06

Gender-based decisions, Minn. Statutes 2014 62A.306, 2014 62A.65

Generally, Minn. Statutes 2014 62L.10

Unfair or deceptive trade practices, Minn. Statutes 2014 62A.021

Violations and penalties

Agents, license revocation or suspension, Minn. Statutes 2014 62L.12

Commerce Department, duties, Minn. Statutes 2014 62L.11

Contested cases, Minn. Statutes 2014 62L.11

Individual policies, issuance, Minn. Statutes 2014 62L.12

Other products, sale of health benefit insurance conditioned on, Minn. Statutes 2014 62L.12

Policies, employer violations, Minn. Statutes 2014 62A.303

Waivers

Coverage, Minn. Statutes 2014 62L.03, 2014 62L.07

Provider network adequacy, Minn. Statutes 2014 62K.10

Quality assurance and improvement program, Minn. Statutes 2014 62K.12