reglab/housing_qa huggingface dataset:
MN Stat § 62K.13 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62K — Minnesota Health Plan Market Rules|Section 62K.13 — Service Area Requirements.

62K.13 SERVICE AREA REQUIREMENTS. (a) Any health carrier that offers an individual or small group health plan, must offer the health plan in a service area that is at least the entire geographic area of a county unless serving a smaller geographic area is necessary, nondiscriminatory, and in the best interest of enrollees. The service area for any individual or small group health plan must be established without regard to racial, ethnic, language, concentrated poverty, or health status-related factors, or other factors that exclude specific high-utilizing, high-cost, or medically underserved populations. (b) If a health carrier that offers an individual or small group health plan requests to serve less than the entire county, the request must be made to the commissioner of health on a form and manner determined by the commissioner and must provide specific data demonstrating that the service area is not discriminatory, is necessary, and is in the best interest of enrollees. (c) The commissioner of health shall enforce this section. History:  2013 c 84 art 2 s 14,17
MN Stat § 62K.14 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62K — Minnesota Health Plan Market Rules|Section 62K.14 — Limited-scope Pediatric Dental Plans.

62K.14 LIMITED-SCOPE PEDIATRIC DENTAL PLANS. (a) Limited-scope pediatric dental plans must be offered to the extent permitted under the Affordable Care Act: (1) on a guaranteed issue and guaranteed renewable basis; (2) with premiums rated on allowable rating factors used for health plans; and (3) without any exclusions or limitations based on preexisting conditions. (b) Notwithstanding paragraph (a), a health carrier may discontinue a limited scope pediatric dental plan at the end of a plan year if the health carrier provides written notice to enrollees before coverage is to be discontinued that the particular plan is being discontinued and the health carrier offers enrollees other dental plan options that are the same or substantially similar to the dental plan being discontinued in terms of premiums, benefits, cost-sharing requirements, and network adequacy. The written notice to enrollees must be provided at least 105 days before the end of the plan year. (c) Limited-scope pediatric dental plans must ensure primary care dental services are available within 60 miles or 60 minutes' travel time. (d) If a stand-alone dental plan as defined under the Affordable Care Act or a limited-scope pediatric dental plan is offered, either separately or in conjunction with a health plan offered to individuals or small employers, the health plan shall not be considered in noncompliance with the requirements of the essential benefit package in the Affordable Care Act because the health plan does not offer coverage of pediatric dental benefits if these benefits are covered through the stand-alone or limited-scope pediatric dental plan, to the extent permitted under the Affordable Care Act. (e) Health carriers offering limited-scope pediatric dental plans must comply with this section and sections 62K.07, 62K.08, 62K.13, and 62K.15. (f) The commissioner of commerce shall enforce paragraphs (a) and (b). Any limited-scope pediatric dental plan that is to be offered to replace a discontinued dental plan under paragraph (b) must be approved by the commissioner of commerce in terms of cost and benefit similarity, and the commissioner of health in terms of network adequacy similarity. The commissioner of health shall enforce paragraph (c). History:  2013 c 84 art 2 s 15,17
MN Stat § 62K.15 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62K — Minnesota Health Plan Market Rules|Section 62K.15 — Annual Open Enrollment Periods; Special Enrollment Periods.

62K.15 ANNUAL OPEN ENROLLMENT PERIODS; SPECIAL ENROLLMENT PERIODS. (a) Health carriers offering individual health plans must limit annual enrollment in the individual market to the annual open enrollment periods for MNsure. Nothing in this section limits the application of special or limited open enrollment periods as defined under the Affordable Care Act. (b) Health carriers offering individual health plans must inform all applicants at the time of application and enrollees at least annually of the open and special enrollment periods as defined under the Affordable Care Act. (c) Health carriers offering individual health plans must provide a special enrollment period for enrollment in the individual market by employees of a small employer that offers a qualified small employer health reimbursement arrangement in accordance with United States Code, title 26, section 9831(d). The special enrollment period shall be available only to employees newly hired by a small employer offering a qualified small employer health reimbursement arrangement, and to employees employed by the small employer at the time the small employer initially offers a qualified small employer health reimbursement arrangement. For employees newly hired by the small employer, the special enrollment period shall last for 30 days after the employee's first day of employment. For employees employed by the small employer at the time the small employer initially offers a qualified small employer health reimbursement arrangement, the special enrollment period shall last for 30 days after the date the arrangement is initially offered to employees. (d) The commissioner of commerce shall enforce this section. History:  2013 c 84 art 2 s 16,17; 2013 c 108 art 1 s 67; 1Sp2017 c 6 art 13 s 1
MN Stat § 62L.01 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62L — Small Employer Insurance Reform|Section 62L.01 — Citation.

62L.01 CITATION. Subdivision 1. Popular name. Sections 62L.01 to 62L.22 may be cited as the "Minnesota Small Employer Health Benefit Act." Subd. 2. Jurisdiction. Sections 62L.01 to 62L.22 apply to any health carrier that offers, issues, delivers, or renews a health benefit plan to a small employer. Subd. 3. Legislative findings and purpose. The legislature finds that underwriting and rating practices in the individual and small employer markets for health coverage create substantial hardship and unfairness, create unnecessary administrative costs, and adversely affect the health of residents of this state. The legislature finds that the premium restrictions provided by this chapter reduce but do not eliminate these harmful effects. Accordingly, the legislature declares its desire to phase out the remaining rating bands as quickly as possible, with the end result of eliminating all rating practices based on risk by July 1, 1997. History:  1992 c 549 art 2 s 1; 1994 c 625 art 10 s 50
MN Stat § 62L.04 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62L — Small Employer Insurance Reform|Section 62L.04 — Compliance Requirements.

62L.04 COMPLIANCE REQUIREMENTS. Subdivision 1. Applicability of chapter requirements. (a) Beginning July 1, 1993, health carriers participating in the small employer market must offer and make available on a guaranteed issue basis any health benefit plan that they offer, including both of the small employer plans provided in section 62L.05, to all small employers that satisfy the small employer participation and contribution requirements specified in this chapter. Compliance with these requirements is required as of the first renewal date of any small employer group occurring after July 1, 1993. For new small employer business, compliance is required as of the first date of offering occurring after July 1, 1993. (b) Compliance with these requirements is required as of the first renewal date occurring after July 1, 1994, with respect to employees of a small employer who had been issued individual coverage prior to July 1, 1993, administered by the health carrier on a group basis. Notwithstanding any other law to the contrary, the health carrier shall offer to terminate any individual coverage for employees of small employers who satisfy the small employer participation and contribution requirements specified in section 62L.03 and offer to replace it with a health benefit plan. If the employer elects not to purchase a health benefit plan, the health carrier must offer all covered employees and dependents the option of maintaining their current coverage, administered on an individual basis, or replacement individual coverage. Small employer and replacement individual coverage provided under this subdivision must be without application of underwriting restrictions, provided continuous coverage is maintained. (c) With respect to small employers having no fewer than 30 nor more than 49 current employees, all dates in this subdivision become July 1, 1995, and any reference to "after" a date becomes "on or after" July 1, 1995. Subd. 2. New carriers. A health carrier entering the small employer market after July 1, 1993, shall begin complying with the requirements of this chapter as of the first date of offering of a health benefit plan to a small employer. A health carrier entering the small employer market after July 1, 1993, is considered to be a member of the health coverage reinsurance association as of the date of the health carrier's initial offer of a health benefit plan to a small employer. History:  1992 c 549 art 2 s 4; 1993 c 345 art 7 s 6; 1994 c 625 art 10 s 34
MN Stat § 62L.05 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62L — Small Employer Insurance Reform|Section 62L.05 — Small Employer Plan Benefits.

62L.05 SMALL EMPLOYER PLAN BENEFITS. Subdivision 1.  [Repealed, 2013 c 84 art 1 s 94] Subd. 2.  [Repealed, 2013 c 84 art 1 s 94] Subd. 3.  [Repealed, 2013 c 84 art 1 s 94] Subd. 4.  [Repealed, 2013 c 84 art 1 s 94] Subd. 4a.  [Repealed, 2013 c 84 art 1 s 94] Subd. 5.  [Repealed, 2013 c 84 art 1 s 94] Subd. 6.  [Repealed, 2013 c 84 art 1 s 94] Subd. 7.  [Repealed, 2013 c 84 art 1 s 94] Subd. 8. Continuation coverage. Small employer plans must include the continuation of coverage provisions required by the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), Public Law 99-272, as amended, and by state law. Subd. 9. Dependent coverage. Other state law and rules applicable to health plan coverage of newborn infants, dependent children who do not reside with the eligible employee, disabled children and dependents, and adopted children apply to a small employer plan. Health benefit plans that provide dependent coverage must define "dependent" no more restrictively than the definition provided in section 62L.02. Subd. 10. Medical expense reimbursement. Health carriers may reimburse or pay for medical services, supplies, or articles provided under a small employer plan in accordance with the health carrier's provider contract requirements including, but not limited to, salaried arrangements, capitation, the payment of usual and customary charges, fee schedules, discounts from fee-for-service, per diems, diagnosis-related groups (DRGs), and other payment arrangements. Nothing in this chapter requires a health carrier to develop, implement, or change its provider contract requirements for a small employer plan. Coinsurance, deductibles, and out-of-pocket maximums must be calculated and determined in accordance with each health carrier's standard business practices. Subd. 11.  [Repealed, 2013 c 84 art 1 s 94] Subd. 12.  [Repealed, 2013 c 84 art 1 s 94] Subd. 13.  [Repealed, 2013 c 84 art 1 s 94] History:  1992 c 549 art 2 s 5; 1993 c 247 art 2 s 8; 1993 c 345 art 7 s 7-10; 1994 c 625 art 10 s 35-37; 1999 c 177 s 54; 1999 c 181 s 2,3; 2001 c 215 s 21,22; 1Sp2003 c 14 art 7 s 21; 2005 c 56 s 1; 2008 c 231 s 1; 2010 c 384 s 23; 2012 c 187 art 1 s 12; 2013 c 84 art 1 s 54
MN Stat § 62L.06 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62L — Small Employer Insurance Reform|Section 62L.06 — Disclosure Of Underwriting Rating Practices.

62L.06 DISCLOSURE OF UNDERWRITING RATING PRACTICES. When offering or renewing a health benefit plan, health carriers shall disclose in all solicitation and sales materials: (1) provisions concerning the health carrier's right to change premium rates; (2) provisions relating to renewability of coverage; (3) the application of any provider network limitations and their effect on eligibility for benefits; and (4) the ability of small employers to insure eligible employees and dependents currently receiving coverage from the Comprehensive Health Association. History:  1992 c 549 art 2 s 6; 1994 c 625 art 10 s 38; 2013 c 84 art 1 s 55
MN Stat § 62L.07 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62L — Small Employer Insurance Reform|Section 62L.07 — Small Employer Requirements.

62L.07 SMALL EMPLOYER REQUIREMENTS. Subdivision 1. Verification of eligibility. Health benefit plans must require that small employers offering a health benefit plan maintain information verifying the continuing eligibility of the employer, its employees, and their dependents, and provide the information to health carriers on a quarterly basis or as reasonably requested by the health carrier. Subd. 2. Waivers. Health benefit plans must require that small employers offering a health benefit plan maintain written documentation indicating that each eligible employee was informed of the availability of coverage through the employer and of a waiver of coverage by the eligible employee. This documentation must be provided to the health carrier upon reasonable request. History:  1992 c 549 art 2 s 7; 1994 c 625 art 10 s 39
MN Stat § 62L.10 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62L — Small Employer Insurance Reform|Section 62L.10 — Supervision By Commissioner.

62L.10 SUPERVISION BY COMMISSIONER. Subdivision 1. Reports. A health carrier doing business in the small employer market shall file by April 1 of each year an annual actuarial opinion with the commissioner certifying that the health carrier complied with the underwriting and rating requirements of this chapter during the preceding year and that the rating methods used by the health carrier were actuarially sound. A health carrier shall retain a copy of the opinion at its principal place of business. Subd. 2. Records. A health carrier doing business in the small employer market shall maintain at its principal place of business a complete and detailed description of its rating practices and renewal underwriting practices, including information and documentation that demonstrate that its rating methods and practices are based upon commonly accepted actuarial assumptions and are in accordance with sound actuarial principles. Subd. 3. Submissions to commissioner. Subsequent to the annual filing, the commissioner may request information and documentation from a health carrier describing its rating practices and renewal underwriting practices, including information and documentation that demonstrates that a health carrier's rating methods and practices are in accordance with sound actuarial principles and the requirements of this chapter. Except in cases of violations of this chapter or of another chapter, information received by the commissioner as provided under this subdivision is nonpublic. Subd. 4. Review of premium rates. The commissioner shall regulate premium rates charged or proposed to be charged by all health carriers in the small employer market under section 62A.02. The commissioner of health has, with respect to carriers under that commissioner's jurisdiction, all of the powers of the commissioner of commerce under that section. Subd. 5.  [Repealed, 2013 c 84 art 1 s 94] History:   1992 c 549 art 2 s 10
MN Stat § 62L.11 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62L — Small Employer Insurance Reform|Section 62L.11 — Penalties And Enforcement.

62L.11 PENALTIES AND ENFORCEMENT. Subdivision 1. Disciplinary proceedings. The commissioner may, by order, suspend or revoke a health carrier's license or certificate of authority and impose a monetary penalty not to exceed $25,000 for each violation of this chapter. Violations include the failure to pay an assessment required by section 62L.22, and knowingly and willfully encouraging a small employer to not meet the contribution or participation requirements of section 62L.03, subdivision 3, in order to avoid the requirements of this chapter. The notice, hearing, and appeal procedures specified in section 60A.052 or 62D.16, as appropriate, apply to the order. The order is subject to judicial review as provided under chapter 14. Subd. 2. Enforcement powers. The commissioners of health and commerce each has for purposes of this chapter all of each commissioner's respective powers under other chapters that are applicable to their respective duties under this chapter. History:  1992 c 549 art 2 s 11; 1993 c 13 art 2 s 1; 1993 c 345 art 7 s 14
MN Stat § 62L.15 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62L — Small Employer Insurance Reform|Section 62L.15 — Members.

62L.15 MEMBERS. Subdivision 1. Annual meeting. The association shall conduct an annual meeting of the members of the association for the purpose of electing directors and transacting any other appropriate business of the membership of the association. The board shall determine the date, time, and place of the annual meeting. The association shall conduct its first annual member meeting on or before December 1, 1992. Subd. 2. Special meetings. Special meetings of the members must be held whenever called by any three of the directors. At least two categories must be represented among the directors calling a special meeting of the members. The categories are public directors, accident and health insurance companies, nonprofit health service plan corporations, and health maintenance organizations. Special meetings of the members must be held at a time and place designated in the notice of the meeting. Subd. 3. Member voting. Each member's vote is a weighted vote and is based on each member's total insurance premiums, subscriber contract charges, health maintenance contract payments, or other health benefit plan revenue derived from, or on behalf of, small employers during the preceding calendar year, as determined by the board and approved by the commissioner, based on annual statements and other reports considered necessary by the board of directors. Subd. 4. Initial member meeting. At least 60 days before the first annual meeting of the members, the commissioner shall give written notice to all members of the time and place of the member meeting. The members shall elect directors representing the members, approve the initial plan of operation of the association, and transact any other appropriate business of the membership of the association. Subd. 5. Member compliance. All members shall comply with the provisions of this chapter, the association's bylaws, the plan of operation developed by the board of directors, and any other operating, administrative, or other procedures established by the board of directors for the operation of the association. The board may request the commissioner to secure compliance with this chapter through the use of any enforcement action otherwise available to the commissioner. History:  1992 c 549 art 2 s 15; 1993 c 47 s 9; 1993 c 247 art 2 s 21; 1994 c 465 art 3 s 61
MN Stat § 62L.18 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62L — Small Employer Insurance Reform|Section 62L.18 — Ceding Of Risk.

62L.18 CEDING OF RISK. Subdivision 1. Prospective ceding. For health benefit plans issued on or after July 1, 1993, all health carriers participating in the association may prospectively reinsure an employee or dependent within a small employer group and entire employer groups of seven or fewer eligible employees. A health carrier must determine whether to reinsure an employee or dependent or entire group within 60 days of the commencement of the coverage of the small employer and must notify the association during that time period. Subd. 2. Eligibility for reinsurance. (a) A health carrier may not reinsure existing small employer business through the association. A health carrier may reinsure an employee or dependent who previously had coverage from MCHA who is now eligible for coverage through the small employer group at the time of enrollment as defined in section 62L.03, subdivision 6. A health carrier may not reinsure individuals who have existing individual health care coverage with that health carrier upon replacement of the individual coverage with group coverage as provided in section 62L.04, subdivision 1. (b) A health carrier may cede to the association the risk of any newly eligible employees or continue to reinsure small employer business for employers who, at the time of renewal of coverage by the same health carrier prior to July 1, 1995, have more than 29 current employees but fewer than 49 current employees. This paragraph is effective retroactively for coverage renewed on or after July 1, 1994. Subd. 3. Reinsurance termination. A health carrier may terminate reinsurance through the association for an employee or dependent or entire group on the anniversary date of coverage for the small employer. If the health carrier terminates the reinsurance, the health carrier may not subsequently reinsure the individual or entire group. Subd. 4. Continuing carrier responsibility. A health carrier transferring risk to the association is completely responsible for administering its health benefit plans. A health carrier shall apply its case management and claim processing techniques consistently between reinsured and nonreinsured business. Small employers, eligible employees, and dependents shall not be notified that the health carrier has reinsured their coverage through the association. History:  1992 c 549 art 2 s 18; 1995 c 234 art 7 s 23
MN Stat § 62L.19 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62L — Small Employer Insurance Reform|Section 62L.19 — Allowed Reinsurance Benefits.

62L.19 ALLOWED REINSURANCE BENEFITS. A health carrier may reinsure through the association only those benefits described in section 62L.05. The board may establish guidelines to clarify what coverage is included within the benefits described in this chapter. If a health plan conforms to those benefits as clarified by the board, the benefits are considered to be in accordance with this chapter for purposes of the association's obligations. History:  1992 c 549 art 2 s 19; 1993 c 47 s 12; 1993 c 247 art 2 s 26