Bill > SF628

This bill establishes new requirements for how health plan companies in Minnesota must calculate an enrollee's contributions toward out-of-pocket maximums or cost-sharing requirements. Specifically, the bill mandates that health plan companies must include any amounts paid by the enrollee or paid on behalf of the enrollee by another person when calculating the total contribution toward out-of-pocket maximums or cost-sharing expenses. The bill defines "cost sharing" as any co-payment, coinsurance, or deductible, and aims to provide more transparency and potentially reduce the financial burden on enrollees by allowing a broader range of payments to count toward their overall health care expenses. The provisions will apply to health plans offered, issued, or renewed on or after January 1, 2026, giving health insurance companies time to adjust their calculation methods to comply with the new law.

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https://www.revisor.mn.gov/bills/bill.php?b=Senate&f=SF0628&ssn=0&y=2025