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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 2012 62T.03

Actuarial opinions, reports about, Minn. Statutes 2012 62L.10

Alternative benefit plans, Minn. Statutes 2012 62L.05

Assessments

Failure to pay, Minn. Statutes 2012 62L.11

Liability, Minn. Statutes 2012 62L.09

Associations

Generally, Minn. Statutes 2012 62L.045

Rural purchasing alliances, exclusion, Minn. Statutes 2012 62D.30

Audits and examinations

Group coverage, issued to employers not meeting contribution or participation, Minn. Statutes 2012 62L.03

Loss ratio standards, compliance audits, Minn. Statutes 2012 62A.021

Availability, notice, Minn. Statutes 2012 62L.05

Benefits

Generally, Minn. Statutes 2012 62L.05

Reinsurance, limitations, Minn. Statutes 2012 62L.19

Cancellation

Generally, Minn. Statutes 2012 62L.03

Health carriers, cessation of small employer business, limitations, Minn. Statutes 2012 62L.09

Certificates and certification, Health Coverage Reinsurance Association, nonparticipation, standards, Minn. Statutes 2012 62L.17

Cessation of business, Minn. Statutes 2012 62A.65

Coinsurance, Minn. Statutes 2012 62L.02, 2012 62L.05

Collective bargaining agreements

Considered as separate small employers, Minn. Statutes 2012 62L.02

Guaranteed issue, exemption, Minn. Statutes 2012 62L.03

Compliance, Minn. Statutes 2012 62L.04

Conflict of laws, portability of coverage, prevailing law, Minn. Statutes 2012 62Q.18

Contested cases, health carriers, Minn. Statutes 2012 62L.11

Continuation and conversion privileges

Generally, Minn. Statutes 2012 62A.65

Rulemaking, Minn. Statutes 2012 62L.03, 2012 62L.045

Violations and penalties, Minn. Statutes 2012 62L.12

Copayment-type small employer plan

Generally, Minn. Statutes 2012 62L.05

Health maintenance organizations, rural demonstration project, waiver, Minn. Statutes 2012 62D.30

Coverage

Abortion, Minn. Statutes 2012 145.414

Availability, Minn. Statutes 2012 62L.03, 2012 62L.07

Cancellation, nonrenewal, or termination, unfair competition, unfair trade practices, Minn. Statutes 2012 62L.10

Compliance requirements, Minn. Statutes 2012 62L.04

Dependents, Minn. Statutes 2012 62A.302, 2012 62L.05

Employer contributions, Minn. Statutes 2012 62L.03, 2012 62L.04

Exceptions, Minn. Statutes 2012 62L.03

Exclusionary riders, Minn. Statutes 2012 62A.65

Flexible benefits plans, Minn. Statutes 2012 62Q.188

Generally, Minn. Statutes 2012 62L.05

Group coverage, employers not meeting contribution or participation, Minn. Statutes 2012 62L.03

Health carriers, duties, Minn. Statutes 2012 62L.03

Individual plans, offer, sale, issuance, or renewal, Minn. Statutes 2012 62L.12

Minimum participation, Minn. Statutes 2012 62L.03

Minnesota Comprehensive Health Association (MCHA) enrollees, Minn. Statutes 2012 62L.03, 2012 62L.045, 2012 62L.05

Modification, Minn. Statutes 2012 62L.03

Portability, individual market regulations, Minn. Statutes 2012 62A.65

Preexisting conditions, limitations or exclusions, Minn. Statutes 2012 62A.65

Qualified associations, Minn. Statutes 2012 62L.045

Qualifying coverage, Minn. Statutes 2012 62L.02, 2012 62L.03

Renewability, disclosure requirements, Minn. Statutes 2012 62L.06

Replacement individual coverage, Minn. Statutes 2012 62L.04

Short-term coverage, Minn. Statutes 2012 62A.65

Stop loss coverage, claims settlement period, Minn. Statutes 2012 60A.236

Violations and penalties, Minn. Statutes 2012 62L.12

Waivers, Minn. Statutes 2012 62L.03, 2012 62L.07

Deductible-type small employer plan

Generally, Minn. Statutes 2012 62L.05

Health maintenance organizations, rural demonstration project, waiver, Minn. Statutes 2012 62D.30

Deductibles, generally, Minn. Statutes 2012 62L.05

Definitions, Small Employer Health Benefit Act, Minn. Statutes 2012 62L.02, 2012 62L.03, 2012 62L.05

Demonstration projects, Minn. Statutes 2012 62D.30, 2012 62L.05

Disclosure, loss ratios, Minn. Statutes 2012 62A.021

Eligibility

Fraud or misrepresentation, coverage, Minn. Statutes 2012 62L.03

Generally, Minn. Statutes 2012 62L.02

Small employers, duties, Minn. Statutes 2012 62L.07

Verification, Minn. Statutes 2012 62L.07

Eligible charges, Minn. Statutes 2012 62L.02

Employees

Eligibility, Minn. Statutes 2012 62L.02, 2012 62L.03, 2012 62L.07

Notice received, coverage, availability and waiver, Minn. Statutes 2012 62L.07

Number of employees, Minn. Statutes 2012 62L.02

Taxes, payment by employer, Minn. Statutes 2012 62L.02

Employer violations, Minn. Statutes 2012 62L.12

Employer-based voluntary purchasing pools, Minn. Statutes 2012 62Q.17

Employers, fraud or misrepresentation, cancellation or nonrenewal, Minn. Statutes 2012 62L.03

Enforcement of law

Commerce Department, duties, Minn. Statutes 2012 62L.08, 2012 62L.11

Health Department, duties, Minn. Statutes 2012 62L.11

Enrollees, waiting periods, Minn. Statutes 2012 62L.02

Exclusionary riders, Minn. Statutes 2012 62L.03

Flexible benefits plans, Minn. Statutes 2012 62Q.188

Group insurance, exemption, Minn. Statutes 2012 60A.02

Health benefit plans

Discontinued plans, cancellation or nonrenewal of coverage, Minn. Statutes 2012 62L.03

Flexible benefits plans, Minn. Statutes 2012 62Q.188

Generally, Minn. Statutes 2012 62L.02

Health care taxes, Minn. Statutes 2012 295.53

Health carriers

Appeals, Health Coverage Reinsurance Association, Minn. Statutes 2012 62L.22

Assessments, Minn. Statutes 2012 62L.09, 2012 62L.11

Cessation of small employer business, Minn. Statutes 2012 62L.03, 2012 62L.09

Cessation of small employer status, cancellation or failure to renew, Minn. Statutes 2012 62L.03

Contested cases, Minn. Statutes 2012 62L.11

Data collection, Minn. Statutes 2012 62L.03

Disclosure, Minn. Statutes 2012 62L.06

Duties, Minn. Statutes 2012 62L.05

Employee coverage, cancellation or nonrenewal, Minn. Statutes 2012 62L.03

Fines, Minn. Statutes 2012 62L.11

Generally, Minn. Statutes 2012 62L.10

Health Coverage Reinsurance Association participation, election, Minn. Statutes 2012 62L.17

Index rates, regulation, Minn. Statutes 2012 62A.02

Individual market regulation, Minn. Statutes 2012 62A.65

Liability, transfer of risk, claims, Minn. Statutes 2012 62L.20

Licenses or certificates of authority, suspension or revocation, Minn. Statutes 2012 62L.11

Loss ratios, filing, Minn. Statutes 2012 62A.021

Notice given, Minn. Statutes 2012 62L.09, 2012 62L.20

Notice received, Health Coverage Reinsurance Association participation, Minn. Statutes 2012 62L.17

Provider contracts, medical expense reimbursements, Minn. Statutes 2012 62L.05

Qualified associations, arrangement, Minn. Statutes 2012 62L.045

Rate cells, Minn. Statutes 2012 62A.02

Rates, Minn. Statutes 2012 62A.021

Rating schedules, Minn. Statutes 2012 62A.021

Small employer market, participation, Minn. Statutes 2012 62L.02, 2012 62L.03

Violations and penalties, Minn. Statutes 2012 62L.11

Health plan policies issued as stop loss coverage, Minn. Statutes 2012 60A.235

Individual plans, Minn. Statutes 2012 62L.12

Issuance

Credits, Minn. Statutes 2012 62L.03

Guaranteed issue, Minn. Statutes 2012 62A.65, 2012 62L.03 to 2012 62L.05

Joint self-insurance employee health plans, Minn. Statutes 2012 62H.04, 2012 62H.08

Late entrants

Exclusions, Minn. Statutes 2012 62L.02

Generally, Minn. Statutes 2012 62L.03

Loss ratios

Compliance requirements, Minn. Statutes 2012 62A.65

Filing requirements, Minn. Statutes 2012 62A.02, 2012 62A.021

Generally, Minn. Statutes 2012 62A.021

Standards, Minn. Statutes 2012 62A.021, 2012 62L.045, 2012 62L.08

Marketing, loss ratios, disclosure, Minn. Statutes 2012 62A.021

Medical expense reimbursements, health carriers, provider contracts, Minn. Statutes 2012 62L.05

Orders, filed rates, reduction, Minn. Statutes 2012 62A.021

Out-of-pocket costs, limitations, Minn. Statutes 2012 62L.05

Phase-in provisions, Minn. Statutes 2012 62L.081

Plan availability, notice, Minn. Statutes 2012 62L.05

Plan design, Minn. Statutes 2012 62L.05

Policies

Generally, Minn. Statutes 2012 62A.02

Individual policies, offer, sale, issuance, or renewal, Minn. Statutes 2012 62L.12

Loss ratios, Minn. Statutes 2012 62A.02, 2012 62A.021

Medicare supplement insurance, offer, sale, issuance, or renewal, Minn. Statutes 2012 62L.12

Riders, preexisting conditions, exclusionary riders prohibited, Minn. Statutes 2012 62L.03

Policy of state

Abortion, coverage, Minn. Statutes 2012 145.414

Generally, Minn. Statutes 2012 62L.01

Policyholders, notice received, health carriers, cessation of business, Minn. Statutes 2012 62A.65

Preexisting conditions

Effect, disclosure requirements, Minn. Statutes 2012 62L.06

Generally, Minn. Statutes 2012 62L.03

Limitations or exclusions, credits against, Minn. Statutes 2012 62L.03, 2012 62L.045

Premiums

Case characteristics, Minn. Statutes 2012 62L.02

Commerce Department, duties, Minn. Statutes 2012 62L.08, 2012 62L.10

Disclosure requirements, Minn. Statutes 2012 62L.06

Generally, Minn. Statutes 2012 62L.08

Geographic variations, restriction exemptions, Minn. Statutes 2012 62D.30, 2012 62L.08

Health carriers, duties, Minn. Statutes 2012 62L.06, 2012 62L.10

Health Department, duties, Minn. Statutes 2012 62L.08, 2012 62L.10

Nonpayment, cancellation or refusal to renew, Minn. Statutes 2012 62L.03

Rate cells, Minn. Statutes 2012 62A.65, 2012 62L.08

Rates

Adjustments, phase-in period, Minn. Statutes 2012 62L.081

Approval, reasonableness requirements, Minn. Statutes 2012 62L.08, 2012 297I.05

Compliance requirements, Minn. Statutes 2012 62L.045

Correction plans, Minn. Statutes 2012 62L.045

Generally, Minn. Statutes 2012 62L.08

Index and rate development, criteria, Minn. Statutes 2012 62L.045, 2012 62L.08

Qualified associations, Minn. Statutes 2012 62L.045

Rate cells, filing requirements, Minn. Statutes 2012 62A.65

Regional index rates, requesting, Minn. Statutes 2012 62A.65

Sampling, Minn. Statutes 2012 62L.045

Rating practices, Minn. Statutes 2012 62L.10

Underwriting restrictions, Minn. Statutes 2012 62L.03 to 2012 62L.045

Violations and penalties, rates and rating practices, disapproval, Minn. Statutes 2012 62L.10

Provider networks, Minn. Statutes 2012 62L.05, 2012 62L.06

Records and record keeping, health carriers, duties, Minn. Statutes 2012 62L.10

Renewal

Ceding of risk, Minn. Statutes 2012 62L.18

Disclosure requirements, Minn. Statutes 2012 62L.06

Following health carriers' cessation of small employer business, Minn. Statutes 2012 62L.09

Generally, Minn. Statutes 2012 62L.03

Guaranteed renewal, Minn. Statutes 2012 62A.65, 2012 62L.045

Premium rates, increases, limitation, Minn. Statutes 2012 62L.08

Reports given, health care taxes, qualifying exemptions, Minn. Statutes 2012 295.53

Risk-based rating, policy of state, Minn. Statutes 2012 62L.01

Rulemaking about, group insurance benefits, continuation, Minn. Statutes 2012 62L.03, 2012 62L.045

Short-term coverage, Minn. Statutes 2012 62A.65

Small Employer Health Benefit Act, Minn. Statutes 2012 62L.01 to 2012 62L.22

Small employer market, Minn. Statutes 2012 62L.02

Small employers

Contributions, Minn. Statutes 2012 62L.03, 2012 62L.04, 2012 62L.11

Employers ceasing to qualify, Minn. Statutes 2012 62L.03

Generally, Minn. Statutes 2012 62L.02

Notice received, health carriers, cessation of small employer business, Minn. Statutes 2012 62L.09

Participation, health carrier violations, effect on license, Minn. Statutes 2012 62L.11

Record keeping, group coverage, issuance to employers not meeting contribution or participation requirements, Minn. Statutes 2012 62L.03

Verification of eligibility, duties, Minn. Statutes 2012 62L.07

Waivers of coverage, duties, Minn. Statutes 2012 62L.07

Staff model health plan companies, health care taxes, Minn. Statutes 2012 295.50

Stop loss coverage, claims settlement period, Minn. Statutes 2012 60A.236

Underwriting restrictions

Generally, Minn. Statutes 2012 62L.03

Group insurance benefits, continuation, Minn. Statutes 2012 62L.03, 2012 62L.045

Underwriting

Disclosure requirements, Minn. Statutes 2012 62L.06

Gender-based decisions, Minn. Statutes 2012 62A.306, 2012 62A.65

Generally, Minn. Statutes 2012 62L.10

Unfair or deceptive trade practices, Minn. Statutes 2012 62A.021

Variations, Minn. Statutes 2012 62L.05

Violations and penalties

Agents, license revocation or suspension, Minn. Statutes 2012 62L.12

Commerce Department, duties, Minn. Statutes 2012 62L.11

Contested cases, Minn. Statutes 2012 62L.11

Individual policies, issuance, Minn. Statutes 2012 62L.12

Other products, sale of health benefit insurance conditioned on, Minn. Statutes 2012 62L.12

Policies, employer violations, Minn. Statutes 2012 62A.303

Premiums, rates and rating practices, disapproval, Minn. Statutes 2012 62L.10

Waivers, coverage, Minn. Statutes 2012 62L.03, 2012 62L.07