Minnesota Senate Bill SF1109

Minnesota 2025-2026 Regular Session

• Introduced: 2/6/25
• Refer: 2/6/25

Caption

Insurance companies accepting an individual taxpayer identification number on insurance coverage applications requirement provision

Summary

SF1109 would require insurance companies in Minnesota, if they ask a new customer for a Social Security number on an insurance coverage application, to also accept an individual taxpayer identification number (ITIN) instead. The application would have to clearly state that an ITIN is accepted in place of a Social Security number. The bill amends Minnesota Statutes section 60A.07 by adding a new subdivision to the insurance code. It applies to insurance coverage offered, issued, or renewed on or after January 1, 2026, and is aimed at making insurance applications more accessible to people who do not have a Social Security number but do have an ITIN.

Impact

The bill would change Minnesota insurance application requirements by prohibiting insurers from limiting identity or tax-number fields to Social Security numbers alone when they require such information from new customers. It would affect insurers writing coverage in Minnesota and would likely benefit individuals, including certain noncitizens and other taxpayers who use ITINs, by allowing them to complete insurance applications without needing a Social Security number.

Sentiment

There is no recorded committee testimony or vote history in the provided materials, so the bill’s sentiment cannot be measured from debate or roll-call data. Based on the text alone, the bill appears straightforward and administrative, with a consumer-access orientation rather than a controversial policy change.

Contention

No specific points of contention are documented in the provided transcript or voting record. Potential areas of concern, if raised in future discussion, could include insurer implementation burdens, application-system changes, and whether the requirement should apply broadly to all lines of insurance or only certain products. No legislator, stakeholder, or committee position is available in the supplied materials.