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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 2013 62T.03

Accreditation standards, Minn. Statutes 2013 62K.09

Actuarial opinions, reports about, Minn. Statutes 2013 62L.10

Assessments

Failure to pay, Minn. Statutes 2013 62L.11

Liability, Minn. Statutes 2013 62L.09

Associations

Generally, Minn. Statutes 2013 62L.045

Rural purchasing alliances, exclusion, Minn. Statutes 2013 62D.30

Audits and examinations

Group coverage, issued to employers not meeting contribution or participation, Minn. Statutes 2013 62L.03

Loss ratio standards, compliance audits, Minn. Statutes 2013 62A.021

Benefits

Generally, Minn. Statutes 2013 62L.05

Reinsurance, limitations, Minn. Statutes 2013 62L.19

Cancellation

Generally, Minn. Statutes 2013 62L.03

Health carriers, cessation of small employer business, limitations, Minn. Statutes 2013 62L.09

Certificates and certification, Health Coverage Reinsurance Association, nonparticipation, standards, Minn. Statutes 2013 62L.17

Cessation of business, Minn. Statutes 2013 62A.65

Coinsurance, Minn. Statutes 2013 62L.02

Collective bargaining agreements

Considered as separate small employers, Minn. Statutes 2013 62L.02

Guaranteed issue, exemption, Minn. Statutes 2013 62L.03

Compliance, Minn. Statutes 2013 62L.04

Conflict of laws, portability of coverage, prevailing law, Minn. Statutes 2013 62Q.18

Contested cases, health carriers, Minn. Statutes 2013 62L.11

Continuation and conversion privileges

Generally, Minn. Statutes 2013 62A.65

Rulemaking, Minn. Statutes 2013 62L.03, 2013 62L.045

Violations and penalties, Minn. Statutes 2013 62L.12

Copayment-type small employer plan, health maintenance organizations, rural demonstration project, waiver, Minn. Statutes 2013 62D.30

Coverage

Abortion, Minn. Statutes 2013 145.414

Availability, Minn. Statutes 2013 62L.03, 2013 62L.07

Cancellation, nonrenewal, or termination, unfair competition, unfair trade practices, Minn. Statutes 2013 62L.10

Compliance requirements, Minn. Statutes 2013 62L.04

Dependents, Minn. Statutes 2013 62A.302, 2013 62L.05

Employer contributions, Minn. Statutes 2013 62L.03, 2013 62L.04

Exceptions, Minn. Statutes 2013 62L.03

Exclusionary riders, Minn. Statutes 2013 62A.65

Flexible benefits plans, Minn. Statutes 2013 62Q.188

Generally, Minn. Statutes 2013 62L.05

Group coverage, employers not meeting contribution or participation, Minn. Statutes 2013 62L.03

Health carriers, duties, Minn. Statutes 2013 62L.03

Individual plans, offer, sale, issuance, or renewal, Minn. Statutes 2013 62L.12

Minimum participation, Minn. Statutes 2013 62L.03

Minnesota Comprehensive Health Association (MCHA) enrollees, Minn. Statutes 2013 62L.03, 2013 62L.045

Modification, Minn. Statutes 2013 62L.03

Portability, individual market regulations, Minn. Statutes 2013 62A.65

Preexisting conditions, limitations or exclusions, Minn. Statutes 2013 62A.65

Qualified associations, Minn. Statutes 2013 62L.045

Qualifying coverage, Minn. Statutes 2013 62L.03

Renewability, disclosure requirements, Minn. Statutes 2013 62L.06

Replacement individual coverage, Minn. Statutes 2013 62L.04

Short-term coverage, Minn. Statutes 2013 62A.65

Stop loss coverage, claims settlement period, Minn. Statutes 2013 60A.236

Violations and penalties, Minn. Statutes 2013 62L.12

Waivers, Minn. Statutes 2013 62L.03, 2013 62L.07

Deductible-type small employer plan, health maintenance organizations, rural demonstration project, waiver, Minn. Statutes 2013 62D.30

Definitions, Small Employer Health Benefit Act, Minn. Statutes 2013 62L.02, 2013 62L.03

Demonstration projects, Minn. Statutes 2013 62D.30

Dental plans, Minn. Statutes 2013 62K.03, 2013 62K.14

Disclosure

Affordable Care Act requirements, Minn. Statutes 2013 62K.07

Loss ratios, Minn. Statutes 2013 62A.021

Solicitation and sales materials, Minn. Statutes 2013 62A.65

Eligibility

Fraud or misrepresentation, coverage, Minn. Statutes 2013 62L.03

Generally, Minn. Statutes 2013 62L.02

Small employers, duties, Minn. Statutes 2013 62L.07

Verification, Minn. Statutes 2013 62L.07

Eligible charges, Minn. Statutes 2013 62L.02

Employees

Eligibility, Minn. Statutes 2013 62L.02, 2013 62L.03, 2013 62L.07

Notice received, coverage, availability and waiver, Minn. Statutes 2013 62L.07

Number of employees, Minn. Statutes 2013 62L.02

Taxes, payment by employer, Minn. Statutes 2013 62L.02

Employer violations, Minn. Statutes 2013 62L.12

Employer-based voluntary purchasing pools, Minn. Statutes 2013 62Q.17

Employers, fraud or misrepresentation, cancellation or nonrenewal, Minn. Statutes 2013 62L.03

Enforcement of law

Commerce Department, duties, Minn. Statutes 2013 62L.08, 2013 62L.11

Health Department, duties, Minn. Statutes 2013 62L.11

Enrollees, waiting periods, Minn. Statutes 2013 62L.02

Exclusionary riders, Minn. Statutes 2013 62L.03

Flexible benefits plans, Minn. Statutes 2013 62Q.188

Group insurance, exemption, Minn. Statutes 2013 60A.02

Health benefit plans

Discontinued plans, cancellation or nonrenewal of coverage, Minn. Statutes 2013 62L.03

Flexible benefits plans, Minn. Statutes 2013 62Q.188

Generally, Minn. Statutes 2013 62L.02

Health care taxes, Minn. Statutes 2013 295.53

Health carriers

Accreditation standards, Minn. Statutes 2013 62K.09

Appeals, Health Coverage Reinsurance Association, Minn. Statutes 2013 62L.22

Assessments, Minn. Statutes 2013 62L.09, 2013 62L.11

Cessation of small employer business, Minn. Statutes 2013 62L.03, 2013 62L.09

Cessation of small employer status, cancellation or failure to renew, Minn. Statutes 2013 62L.03

Contested cases, Minn. Statutes 2013 62L.11

Data collection, Minn. Statutes 2013 62L.03

Disclosure, Minn. Statutes 2013 62K.07, 2013 62L.06

Employee coverage, cancellation or nonrenewal, Minn. Statutes 2013 62L.03

Fines, Minn. Statutes 2013 62L.11

Generally, Minn. Statutes 2013 62L.10

Health Coverage Reinsurance Association participation, election, Minn. Statutes 2013 62L.17

Index rates, regulation, Minn. Statutes 2013 62A.02

Individual market regulation, Minn. Statutes 2013 62A.65

Liability, transfer of risk, claims, Minn. Statutes 2013 62L.20

Licenses or certificates of authority, suspension or revocation, Minn. Statutes 2013 62L.11

Loss ratios, filing, Minn. Statutes 2013 62A.021

Marketing standards under Affordable Care Act, Minn. Statutes 2013 62K.08

Notice given, Minn. Statutes 2013 62L.09, 2013 62L.20

Notice received, Health Coverage Reinsurance Association participation, Minn. Statutes 2013 62L.17

Qualified associations, arrangement, Minn. Statutes 2013 62L.045

Rate cells, Minn. Statutes 2013 62A.02

Rates, Minn. Statutes 2013 62A.021

Rating schedules, Minn. Statutes 2013 62A.021

Small employer market, participation, Minn. Statutes 2013 62L.02, 2013 62L.03

Violations and penalties, Minn. Statutes 2013 62L.11

Health plan policies issued as stop loss coverage, Minn. Statutes 2013 60A.235

Individual plans, Minn. Statutes 2013 62L.12

Issuance, guaranteed issue, Minn. Statutes 2013 62L.03 to 2013 62L.05

Joint self-insurance employee health plans, Minn. Statutes 2013 62H.04, 2013 62H.08

Late entrants

Exclusions, Minn. Statutes 2013 62L.02

Generally, Minn. Statutes 2013 62L.03

Loss ratios

Compliance requirements, Minn. Statutes 2013 62A.65

Filing requirements, Minn. Statutes 2013 62A.02, 2013 62A.021

Generally, Minn. Statutes 2013 62A.021

Standards, Minn. Statutes 2013 62A.021, 2013 62L.045, 2013 62L.08

Marketing

Loss ratios, disclosure, Minn. Statutes 2013 62A.021

Standards under Affordable Care Act, Minn. Statutes 2013 62K.08

Orders, filed rates, reduction, Minn. Statutes 2013 62A.021

Policies

Generally, Minn. Statutes 2013 62A.02

Individual policies, offer, sale, issuance, or renewal, Minn. Statutes 2013 62L.12

Loss ratios, Minn. Statutes 2013 62A.02, 2013 62A.021

Medicare supplement insurance, offer, sale, issuance, or renewal, Minn. Statutes 2013 62L.12

Riders, preexisting conditions, exclusionary riders prohibited, Minn. Statutes 2013 62L.03

Policy of state

Abortion, coverage, Minn. Statutes 2013 145.414

Generally, Minn. Statutes 2013 62L.01

Policyholders, notice received, health carriers, cessation of business, Minn. Statutes 2013 62A.65

Preexisting conditions

Effect, disclosure requirements, Minn. Statutes 2013 62L.06

Generally, Minn. Statutes 2013 62L.03

Premiums

Case characteristics, Minn. Statutes 2013 62L.02

Commerce Department, duties, Minn. Statutes 2013 62L.08, 2013 62L.10

Disclosure requirements, Minn. Statutes 2013 62L.06

Generally, Minn. Statutes 2013 62L.08

Geographic variations, restriction exemptions, Minn. Statutes 2013 62D.30, 2013 62L.08

Health carriers, duties, Minn. Statutes 2013 62L.06, 2013 62L.10

Health Department, duties, Minn. Statutes 2013 62L.08, 2013 62L.10

Nonpayment, cancellation or refusal to renew, Minn. Statutes 2013 62L.03

Rate cells, Minn. Statutes 2013 62A.65

Rates

Approval, reasonableness requirements, Minn. Statutes 2013 62L.08, 2013 297I.05

Disclosure, Minn. Statutes 2013 62A.65

Generally, Minn. Statutes 2013 62L.08

Rate cells, filing requirements, Minn. Statutes 2013 62A.65

Rate development, criteria, Minn. Statutes 2013 62L.08

Regional index rates, requesting, Minn. Statutes 2013 62A.65

Rating practices, Minn. Statutes 2013 62L.10

Underwriting restrictions, Minn. Statutes 2013 62L.03 to 2013 62L.045

Provider networks, Minn. Statutes 2013 62K.10, 2013 62L.06

Providers, billing, Minn. Statutes 2013 62K.11

Quality assurance and improvement, Minn. Statutes 2013 62K.12

Records and record keeping, health carriers, duties, Minn. Statutes 2013 62L.10

Renewal

Ceding of risk, Minn. Statutes 2013 62L.18

Disclosure requirements, Minn. Statutes 2013 62L.06

Following health carriers' cessation of small employer business, Minn. Statutes 2013 62L.09

Generally, Minn. Statutes 2013 62L.03

Guaranteed renewal, Minn. Statutes 2013 62A.65, 2013 62L.045

Premium rates, increases, limitation, Minn. Statutes 2013 62L.08

Reports given, health care taxes, qualifying exemptions, Minn. Statutes 2013 295.53

Risk pools, Minn. Statutes 2013 62A.65

Risk-based rating, policy of state, Minn. Statutes 2013 62L.01

Rulemaking about, group insurance benefits, continuation, Minn. Statutes 2013 62L.03, 2013 62L.045

Service area requirements, Minn. Statutes 2013 62K.13

Short-term coverage, Minn. Statutes 2013 62A.65

Small Employer Health Benefit Act, Minn. Statutes 2013 62L.01 to 2013 62L.22

Small employer market, Minn. Statutes 2013 62L.02

Small employers

Contributions, Minn. Statutes 2013 62L.03, 2013 62L.04, 2013 62L.11

Employers ceasing to qualify, Minn. Statutes 2013 62L.03

Generally, Minn. Statutes 2013 62L.02

Notice received, health carriers, cessation of small employer business, Minn. Statutes 2013 62L.09

Participation, health carrier violations, effect on license, Minn. Statutes 2013 62L.11

Record keeping, group coverage, issuance to employers not meeting contribution or participation requirements, Minn. Statutes 2013 62L.03

Verification of eligibility, duties, Minn. Statutes 2013 62L.07

Waivers of coverage, duties, Minn. Statutes 2013 62L.07

Staff model health plan companies, health care taxes, Minn. Statutes 2013 295.50

Stop loss coverage, claims settlement period, Minn. Statutes 2013 60A.236

Tobacco rating, Minn. Statutes 2013 62L.08

Underwriting restrictions

Generally, Minn. Statutes 2013 62L.03

Group insurance benefits, continuation, Minn. Statutes 2013 62L.03, 2013 62L.045

Underwriting

Disclosure requirements, Minn. Statutes 2013 62L.06

Gender-based decisions, Minn. Statutes 2013 62A.306, 2013 62A.65

Generally, Minn. Statutes 2013 62L.10

Unfair or deceptive trade practices, Minn. Statutes 2013 62A.021

Violations and penalties

Agents, license revocation or suspension, Minn. Statutes 2013 62L.12

Commerce Department, duties, Minn. Statutes 2013 62L.11

Contested cases, Minn. Statutes 2013 62L.11

Individual policies, issuance, Minn. Statutes 2013 62L.12

Other products, sale of health benefit insurance conditioned on, Minn. Statutes 2013 62L.12

Policies, employer violations, Minn. Statutes 2013 62A.303

Waivers

Coverage, Minn. Statutes 2013 62L.03, 2013 62L.07

Provider network adequacy, Minn. Statutes 2013 62K.10

Quality assurance and improvement program, Minn. Statutes 2013 62K.12