Bill Text: MN HF2006 | 2013-2014 | 88th Legislature | Introduced
Bill Title: Health insurance coverage policy forms and premium rates required to be submitted to, and approved by, the commissioner of commerce or health and MNsure by specified dates, premium rates made available to the public, MNsure funding and premium assessment changes required to be authorized in law, and MNsure reports required to be provided by an independent third party.
Sponsorship: Partisan Bill (Republican 14)
Status: (Introduced - Dead) 2014-02-27 - Authors added Dettmer and Lohmer [HF2006 Detail]
Download: Minnesota-2013-HF2006-Introduced.html
1.2relating to insurance; requiring that policy forms and premium rates for health
1.3insurance coverage be submitted to, and approved by, the commissioner
1.4of commerce or health and MNsure by specified dates; making premium
1.5rates available to the public; requiring that MNsure funding and premium
1.6assessment changes be authorized in law; requiring MNsure reports be provided
1.7by an independent third party;amending Minnesota Statutes 2012, section
1.862A.02, subdivision 2; Minnesota Statutes 2013 Supplement, sections 62A.02,
1.9subdivision 8; 62V.05, subdivision 2; 62V.07; 62V.08.
1.10BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA:
1.11 Section 1. Minnesota Statutes 2012, section 62A.02, subdivision 2, is amended to read:
1.12 Subd. 2. Approval. (a) The health plan form shall not be issued, nor shall any
1.13application, rider, endorsement, or rate be used in connection with it, until the expiration
1.14of 60 days after it has been filed unless the commissioner approves it before that time.
1.15(b) Notwithstanding paragraph (a), a rate filed with respect to a policy of accident and
1.16sickness insurance as defined in section62A.01 by an insurer licensed under chapter 60A,
1.17may be used on or after the date of filing with the commissioner. Rates that are not approved
1.18or disapproved within the 60-day time period are deemed approved. This paragraph does
1.19not apply to Medicare-related coverage as defined in section62A.3099, subdivision 17 .
1.20(c) Health plans to be offered outside of MNsure for coverage to begin on or
1.21after January 1, 2015, and each January 1 thereafter must receive rate approval from
1.22the commissioner no later than September 1 of the preceding calendar year, beginning
1.23September 1, 2014, and each September 1 thereafter. Premium rates for the next calendar
1.24year must be made available to the public by the commissioner by September 1 of the
1.25preceding calendar year.
2.1 Sec. 2. Minnesota Statutes 2013 Supplement, section 62A.02, subdivision 8, is
2.2amended to read:
2.3 Subd. 8. Filing by health carriers for purposes of complying with the
2.4certification requirements of MNsure. (a) No qualified health plan shall be offered
2.5through MNsure until its form and the premium rates pertaining to the form have been
2.6approved by the commissioner of commerce or health, as appropriate, and the health plan
2.7has been determined to comply with the certification requirements of MNsure in accordance
2.8with an agreement between the commissioners of commerce and health and MNsure.
2.9(b) Qualified health plans to be offered through MNsure for coverage to begin
2.10January 1, 2015, and each January thereafter, must satisfy all requirements of paragraph
2.11(a) no later than September 1 of the preceding calendar year, beginning September 1,
2.122014, and each September 1 thereafter. Premium rates, and plan enrollment, for the next
2.13calendar year must be available to the public through MNsure by September 1 of the
2.14preceding calendar year.
2.15 Sec. 3. Minnesota Statutes 2013 Supplement, section 62V.05, subdivision 2, is
2.16amended to read:
2.17 Subd. 2. Operations funding. (a) Prior to January 1, 2015, MNsure shall retain or
2.18collect up to 1.5 percent of total premiums for individual and small group market health
2.19plans and dental plans sold through MNsure to fund the cash reserves of MNsure, but
2.20the amount collected shall not exceed a dollar amount equal to 25 percent of the funds
2.21collected under section62E.11, subdivision 6 , for calendar year 2012.
2.22(b) Beginning January 1, 2015, MNsure shall retain or collect up to 3.5 percent of
2.23total premiums for individual and small group market health plans and dental plans sold
2.24through MNsure to fund the operations of MNsure, but the amount collected shall not
2.25exceed a dollar amount equal to 50 percent of the funds collected under section62E.11,
2.26subdivision 6 , for calendar year 2012.
2.27(c)Beginning January 1, 2016, MNsure shall retain or collect up to 3.5 percent of
2.28total premiums for individual and small group market health plans and dental plans sold
2.29through MNsure to fund the operations of MNsure, but the amount collected may never
2.30exceed a dollar amount greater than 100 percent of the funds collected under section
2.3162E.11, subdivision 6, for calendar year 2012. Beginning July 1, 2015, any change in the
2.32percent of total premiums collected or the percentage limit for funds collected under
2.33section 62E.11, subdivision 6, for calendar year 2012, must be approved in law.
2.34(d) For fiscal years 2014 and 2015, the commissioner of management and budget is
2.35authorized to provide cash flow assistance of up to $20,000,000 from the special revenue
3.1fund or the statutory general fund under section16A.671, subdivision 3, paragraph (a),
3.2to MNsure. Any funds provided under this paragraph shall be repaid, with interest, by
3.3June 30, 2015.
3.4(e) Funding for the operations of MNsure shall cover any compensation provided to
3.5navigators participating in the navigator program.
3.6 Sec. 4. Minnesota Statutes 2013 Supplement, section 62V.07, is amended to read:
3.762V.07 FUNDS.
3.8 (a) The MNsure account is created in the special revenue fund of the state treasury.
3.9All funds received by MNsure shall be deposited in the account.Funds in the account are
3.10appropriated to MNsure for the operation of MNsure. Notwithstanding section
11A.20 , all
3.11investment income and all investment losses attributable to the investment of the MNsure
3.12account not currently needed, shall be credited to the MNsure account.
3.13(b) The budget submitted to the legislature under section16A.11 must include budget
3.14information and budget requests for MNsure. Beginning July 1, 2015, funds for MNsure
3.15operations are available to the MNsure Board only to the extent they are appropriated in law.
3.16 Sec. 5. Minnesota Statutes 2013 Supplement, section 62V.08, is amended to read:
3.1762V.08 REPORTS.
3.18(a) MNsure shall contract with an independent third party to prepare and submit
3.19a report to the legislature byJanuary 15, 2015 September 1, 2014, and each January
3.2015 September 1 thereafter, on: (1) the performance of MNsure operations; (2) meeting
3.21MNsure responsibilities; (3) an accounting of MNsure budget activities; (4) practices
3.22and procedures that have been implemented to ensure compliance with data practices
3.23laws, and a description of any violations of data practices laws or procedures; and (5)
3.24the effectiveness of the outreach and implementation activities of MNsure in reducing
3.25the rate of uninsurance.
3.26(b) MNsure must publish its administrative and operational costs on a Web site to
3.27educate consumers on those costs. All cost information published on the Web site must
3.28be audited and verified by an independent third party. The information published must
3.29include: (1) the amount of premiums and federal premium subsidies collected; (2) the
3.30amount and source of revenue received under section62V.05, subdivision 1, paragraph
3.31(b), clause (3); (3) the amount and source of any other fees collected for purposes of
3.32supporting operations; and (4) any misuse of funds as identified in accordance with section
3.333.975
. The Web site must be updated at least annually.
4.1EFFECTIVE DATE.This section is effective the day following final enactment.
1.3insurance coverage be submitted to, and approved by, the commissioner
1.4of commerce or health and MNsure by specified dates; making premium
1.5rates available to the public; requiring that MNsure funding and premium
1.6assessment changes be authorized in law; requiring MNsure reports be provided
1.7by an independent third party;amending Minnesota Statutes 2012, section
1.862A.02, subdivision 2; Minnesota Statutes 2013 Supplement, sections 62A.02,
1.9subdivision 8; 62V.05, subdivision 2; 62V.07; 62V.08.
1.10BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA:
1.11 Section 1. Minnesota Statutes 2012, section 62A.02, subdivision 2, is amended to read:
1.12 Subd. 2. Approval. (a) The health plan form shall not be issued, nor shall any
1.13application, rider, endorsement, or rate be used in connection with it, until the expiration
1.14of 60 days after it has been filed unless the commissioner approves it before that time.
1.15(b) Notwithstanding paragraph (a), a rate filed with respect to a policy of accident and
1.16sickness insurance as defined in section
1.17may be used on or after the date of filing with the commissioner. Rates that are not approved
1.18or disapproved within the 60-day time period are deemed approved. This paragraph does
1.19not apply to Medicare-related coverage as defined in section
1.20(c) Health plans to be offered outside of MNsure for coverage to begin on or
1.21after January 1, 2015, and each January 1 thereafter must receive rate approval from
1.22the commissioner no later than September 1 of the preceding calendar year, beginning
1.23September 1, 2014, and each September 1 thereafter. Premium rates for the next calendar
1.24year must be made available to the public by the commissioner by September 1 of the
1.25preceding calendar year.
2.1 Sec. 2. Minnesota Statutes 2013 Supplement, section 62A.02, subdivision 8, is
2.2amended to read:
2.3 Subd. 8. Filing by health carriers for purposes of complying with the
2.4certification requirements of MNsure. (a) No qualified health plan shall be offered
2.5through MNsure until its form and the premium rates pertaining to the form have been
2.6approved by the commissioner of commerce or health, as appropriate, and the health plan
2.7has been determined to comply with the certification requirements of MNsure in accordance
2.8with an agreement between the commissioners of commerce and health and MNsure.
2.9(b) Qualified health plans to be offered through MNsure for coverage to begin
2.10January 1, 2015, and each January thereafter, must satisfy all requirements of paragraph
2.11(a) no later than September 1 of the preceding calendar year, beginning September 1,
2.122014, and each September 1 thereafter. Premium rates, and plan enrollment, for the next
2.13calendar year must be available to the public through MNsure by September 1 of the
2.14preceding calendar year.
2.15 Sec. 3. Minnesota Statutes 2013 Supplement, section 62V.05, subdivision 2, is
2.16amended to read:
2.17 Subd. 2. Operations funding. (a) Prior to January 1, 2015, MNsure shall retain or
2.18collect up to 1.5 percent of total premiums for individual and small group market health
2.19plans and dental plans sold through MNsure to fund the cash reserves of MNsure, but
2.20the amount collected shall not exceed a dollar amount equal to 25 percent of the funds
2.21collected under section
2.22(b) Beginning January 1, 2015, MNsure shall retain or collect up to 3.5 percent of
2.23total premiums for individual and small group market health plans and dental plans sold
2.24through MNsure to fund the operations of MNsure, but the amount collected shall not
2.25exceed a dollar amount equal to 50 percent of the funds collected under section
2.26subdivision 6
2.27(c)
2.28
2.29
2.30
2.31
2.32percent of total premiums collected or the percentage limit for funds collected under
2.33section 62E.11, subdivision 6, for calendar year 2012, must be approved in law.
2.34(d) For fiscal years 2014 and 2015, the commissioner of management and budget is
2.35authorized to provide cash flow assistance of up to $20,000,000 from the special revenue
3.1fund or the statutory general fund under section
3.2to MNsure. Any funds provided under this paragraph shall be repaid, with interest, by
3.3June 30, 2015.
3.4(e) Funding for the operations of MNsure shall cover any compensation provided to
3.5navigators participating in the navigator program.
3.6 Sec. 4. Minnesota Statutes 2013 Supplement, section 62V.07, is amended to read:
3.762V.07 FUNDS.
3.8 (a) The MNsure account is created in the special revenue fund of the state treasury.
3.9All funds received by MNsure shall be deposited in the account.
3.10
3.11investment income and all investment losses attributable to the investment of the MNsure
3.12account not currently needed, shall be credited to the MNsure account.
3.13(b) The budget submitted to the legislature under section
3.14information and budget requests for MNsure. Beginning July 1, 2015, funds for MNsure
3.15operations are available to the MNsure Board only to the extent they are appropriated in law.
3.16 Sec. 5. Minnesota Statutes 2013 Supplement, section 62V.08, is amended to read:
3.1762V.08 REPORTS.
3.18(a) MNsure shall contract with an independent third party to prepare and submit
3.19a report to the legislature by
3.20
3.21MNsure responsibilities; (3) an accounting of MNsure budget activities; (4) practices
3.22and procedures that have been implemented to ensure compliance with data practices
3.23laws, and a description of any violations of data practices laws or procedures; and (5)
3.24the effectiveness of the outreach and implementation activities of MNsure in reducing
3.25the rate of uninsurance.
3.26(b) MNsure must publish its administrative and operational costs on a Web site to
3.27educate consumers on those costs. All cost information published on the Web site must
3.28be audited and verified by an independent third party. The information published must
3.29include: (1) the amount of premiums and federal premium subsidies collected; (2) the
3.30amount and source of revenue received under section
3.31(b), clause (3); (3) the amount and source of any other fees collected for purposes of
3.32supporting operations; and (4) any misuse of funds as identified in accordance with section
4.1EFFECTIVE DATE.This section is effective the day following final enactment.
