Transcript Highlights:

• . plans. plans.
• c> type, health plan, metal level, plan type, health plan, metal level, plan type, exchange<00:57
• the benefit of an employer or a pooled plan.
• of a uh employer or a poolled benefit of a uh employer or a poolled plan.<01:08:41.600> They<
• They do not have the benefit of uh plan.

Bills: HF3388, HF400

Keywords: HF3388, Minnesota premium security plan, reinsurance, health insurance, group health carriers, MCHA, MNsure, individual market, premium stabilization, carrier assessment, health insurance assessment, premium security plan account, state innovation waiver, high-risk pool, reinsurance payments, healthcare premiums, insurance carriers, deferral of assessment, financially impaired condition, HF400

Summary: The committee approved the minutes from the prior day and then heard House File 400, a bill described as a defrayal measure for health insurance mandates. Representative Perryman said the bill would not block future mandates, but would require the state to pay the added costs of any new mandated benefits so those costs would not be shifted to premium payers. She and supporters framed the bill as a way to protect affordability for Minnesota employers, workers, and families, especially in the fully insured market. Testimony in support came from the Minnesota Chamber of Commerce and the Minnesota Council of Health Plans. They argued that Minnesota has a high number of mandated benefits, that each new mandate adds cost to premiums, and that businesses—especially small and midsize employers—are already struggling with rising health insurance costs. The health plans representative said the bill would use the existing Commerce defrayal process to reimburse plans for eligible mandate-related claims, allowing those costs to be removed from premium rates. Several members echoed support, saying the bill would improve transparency by showing the fiscal impact of proposed mandates and help prevent people from being priced out of coverage. Members also explored how mandates apply in the market and how premiums are set. Deputy Commissioner Julia Dryer explained that, unless otherwise specified, mandates generally apply to the individual, small group, and fully insured large group markets, while self-insured ERISA plans and other markets are generally outside that scope. Representative Elkins noted that the affected market is relatively small and said small businesses are increasingly moving to self-insured plans because of cost. He and others raised concerns about affordability, while Representative Smith argued that mandates often ensure needed care and that the bill shifts costs to taxpayers rather than insurers. Representative Bacham added a personal example from tribal self-insurance, saying preventive physicals had saved lives and asking whether other factors besides mandates are driving insurer costs. No amendments were offered, and the bill was laid over for possible future consideration.

Transcript Highlights:

• benefit manager is Express Grips for all of our plans.
• We would continue to... develop the cost estimates for our plans, for the TRS plans, but I think...
• A proposed legislation that imposes a new mandate on health benefit plan issuers or administrators in
• the teacher retirement system plan, the employee's retirement system plan.
• plans, etc., not the ERISA plans, etc., which is, you know, 50% of the market give or take in Texas.

Bills: HB138, HB335, HB388, HB138

Keywords: health impact analysis, cost analysis, coverage mandates, health insurance, legislative analysis, health care data, education, funding, classroom resources, teacher support, student outcomes, health benefits, provider dentists, payment reimbursement, insurance code, noncontracting, dental care, reimbursement, health benefit plans, noncontracting providers

Transcript Highlights:

• legislators and appropriators. evaluate our own state benefit plans.
• plan. issuers or administrators, and expenses for enrollees, health plans, and policy makers.
• under a benefit.
• House Bill 388 requires all health benefit plan issuers and administrators to use a uniform coordination
• A coordination of benefit.

Bills: HB138, HB335, HB388, HB138

Keywords: health impact analysis, cost analysis, coverage mandates, health insurance, legislative analysis, health care data, education, funding, classroom resources, teacher support, student outcomes, health benefits, provider dentists, payment reimbursement, insurance code, noncontracting, dental care, reimbursement, health benefit plans, noncontracting providers

Transcript Highlights:

• And at the very end of the bill, Section 3, this act applies to health benefit plans that are delivered
• , issued, ..." ...this act applies to health benefit plans that are delivered, issued, executed, or renewed
• plan like a thousand... ...deductible plan.
• That makes sense from a member perspective because the PERS benefits, as many of you know, the PERS benefits
• And so they'll subtract benefits and give it a negative cost-benefit ratio.

Bills: SB2271, HB1216

Keywords: adult residential facilities, care services, Medicaid, payment rates, elderly care, health services, North Dakota, prescription drugs, drug affordability, copay assistance, copayment accumulator, deductible accumulator, out-of-pocket maximum, health insurance, health benefit plan, self-insured health plan, self-funded plan, third-party payment, manufacturer assistance, patient assistance program

Summary: The Appropriations Committee met with a quorum and took up three bills. House Bill 1216, dealing with prescription drug expense co-pay accumulators in health plans, was presented by Rep. Karen Carl’s, who explained it would prevent insurers from refusing to count third-party assistance toward deductibles for patients using high-cost, non-generic drugs. An amendment was offered to clarify effective dates, including a delayed January 1, 2026 start for PERS coverage. PERS testified that the amendment would align with its calendar-year benefit structure and likely reduce the fiscal note. The amendment was adopted 16-0, and the bill was set aside for further discussion later. House Bill 1199, creating a criminal justice data-sharing system and missing persons/missing Indigenous people task force, was introduced with a committee amendment changing the Attorney General reference to the Attorney General or designee. The committee noted the bill includes a $250,000 general fund appropriation for ongoing costs. The amendment passed 16-0, and the amended bill received a do pass recommendation by a 15-1 vote, with one no vote from Senator Magrum. House Bill 1531, appropriating $75,000 for an irrigation expansion study by the Agriculture Commissioner, was supported as a way to update older economic-impact studies on irrigation and assess opportunities for expansion. Members discussed its relationship to broader study pauses and the history of irrigation development in the state, including Garrison Diversion and remaining authorized acres. The bill passed 16-0. The committee then discussed scheduling for the coming week, noting a heavy bill load and plans for daily morning meetings before adjourning.

Bills: HB345, HB721, HB2580, SB815, HB3057, HB4603, HB3233, SB495, HB3863, HB3914, HB4570, HB5099, HB5173, SB458

Keywords: insurance, appraisal process, disputed losses, residential property, policyholder rights, insurer obligations, natural disasters, appraisal expenses, umpire selection, policyholder, insurer, umpire, claims management, health care, cost disclosure, benefit plan, administrators, traumatic brain injury, health benefit plans, insurance coverage

Transcript Highlights:

• The committee heard this a few weeks ago relating to certain practices of health benefit plan issuers
• plan issuers.
• It applies these changes to health benefit plans delivered, issued for delivery, or renewed on or after
• This is a transparent limited benefit plan that ...provides enrollees with a clearly defined number of
• It is a very limited health benefit plan, again, not health insurance.

Bills: HB345, HB721, HB2580, SB815, HB3057, HB4603, HB3233, SB495, HB3863, HB3914, HB4570, HB5099, HB5173, SB458

Keywords: insurance, appraisal process, disputed losses, residential property, policyholder rights, insurer obligations, natural disasters, appraisal expenses, umpire selection, policyholder, insurer, umpire, claims management, health care, cost disclosure, benefit plan, administrators, traumatic brain injury, health benefit plans, insurance coverage

Transcript Highlights:

• And there was also giving a 2% base increase in benefit to those who retired on or after December 31st
• was an agreement that Education Minnesota and that the rest of the teachers that would be in that plan
• um giving a 2% base increase in benefit um giving a 2% base increase in benefit to<00:05:00.320>
• So even if someone were to be determined that they were in a five-year benefit period, they would not
• So even if someone were to be determined that they were in a five-year benefit period, they would not

Bills: SF2884, HF1889

Keywords: pension, retirement, omnibus pension, MSRS, PERA, TRA, public employees retirement, state employees retirement, correctional employees, police and fire retirement, State Patrol retirement, teachers retirement, firefighter relief association, volunteer firefighter, state aid, postretirement adjustment, COLA, annuity, disability benefit, duty disability

Transcript Highlights:

• The max number in the benchmark plan actually went down too.
• These programs only alert health plans which lab claims filed are within policy coverage or not.
• and thus lower costs for health plans.
• My company provides lab integrity programs for over 30... ...health plans across the U.S.
• This bill would create a new middleman and a new avenue. for health benefit plan issuers and utilization

Bills: HB854, HB 1052, HB1642, HB2076, HB3042, HB3695, HB3787, HB4062, HB4092, SB213, SB493, SB896, HB5519, HB4635

Keywords: insurance, replacement cost, homeowner's policy, renter's policy, condominium insurance, property damage, claims process, telemedicine, teledentistry, telehealth, health benefit plan, insurance coverage, out-of-state services, anxiety, pain management, contraceptive devices, women's health, medical procedures, healthcare, laboratory

Transcript Highlights:

• or their practice to cover the difference from the payments for in-network. ...and out-of-network benefits
• their practice, the new doctor must go through a lengthy credentialing process with health insurance plans

Bills: HB854, HB 1052, HB1642, HB2076, HB3042, HB3695, HB3787, HB4062, HB4092, SB213, SB493, SB896, HB5519, HB4635

Keywords: insurance, replacement cost, homeowner's policy, renter's policy, condominium insurance, property damage, claims process, telemedicine, teledentistry, telehealth, health benefit plan, insurance coverage, out-of-state services, anxiety, pain management, contraceptive devices, women's health, medical procedures, healthcare, laboratory

Transcript Highlights:

• I intend to submit a committee substitute that will remove plans offered by church benefit boards from
• Secondly, it prevents PBMs, health benefit plans, and third-party payers from imposing discriminatory
• It does not prohibit a Medicare supplement benefit plan issuer or non-participating supplier from negotiating
• A health benefit plan on page three, a health benefit plan issuer that provides prescription drug benefits
• I feel like this could fracture the benefit plans into separate pieces, adding layers of administrative

Bills: HB712, HB722, HB946, HB1687, HB1809, HB1899, HB2528, HB2583, HB2741, HB2750, HB3021, HB3150, HB3265, HB3658, HB3812, HB3960, HB4392, HB4432

Keywords: prostate cancer, health benefit plans, insurance coverage, cost sharing, preventive health care, auto insurance, total loss evaluation, disclosure, insurance materials, vehicle appraisal, HB 946, Texas Insurance Code, automobile insurance claims, oral release, written release, settlement agreement, claim release, property damage, bodily injury, psychological injury

Transcript Highlights:

• Outside entities utilized by health plans are captured by adding "affiliate of a health insurance plan
• They have to do a 3D conformational plan in addition to a traditional plan. ...to try to get something
• I understand why the plans would not be comfortable with that.
• Is a covered benefit, right? I mean, they're just deciding if the...
• HB 712 will not place an undue burden on health plans.

Bills: HB712, HB722, HB946, HB1687, HB1809, HB1899, HB2528, HB2583, HB2741, HB2750, HB3021, HB3150, HB3265, HB3658, HB3812, HB3960, HB4392, HB4432

Keywords: prostate cancer, health benefit plans, insurance coverage, cost sharing, preventive health care, auto insurance, total loss evaluation, disclosure, insurance materials, vehicle appraisal, HB 946, Texas Insurance Code, automobile insurance claims, oral release, written release, settlement agreement, claim release, property damage, bodily injury, psychological injury

Transcript Highlights:

• Regulated health plans.
• plans, and individual consumers to also benefit from greater purchasing power and economies of scale
• HB 2516 requires insurers that already... offer Medigap plans to those 65 and older to offer plans at
• a plan.
• All the other plans are lettered plans. I think A through M or N.

Bills: HB1464, HB1635, HB2516, HB3317, HB3502, HB4012, HB4268, HB4386, HB4877, SB916

Keywords: prescription drugs, drug pricing, pharmacy benefits, health insurance, health benefit plan, insurer, HMO, self-insured employer, public employer, school district, county, municipality, university system, higher education, retirees, dependent coverage, stop-loss coverage, bulk purchasing, group purchasing, purchasing pool

Bills: SB19

Keywords: SB19, prostate cancer, prostate cancer screening, PSA test, digital rectal exam, preventive screening, health insurance mandate, no cost sharing, copay, deductible, coinsurance, high-risk men, African American men, men over 50, men over 40, family history, genetic marker, health benefit plan, insurer coverage, Alabama insurance code

Transcript Highlights:

• plan issuers or pharmacy benefit managers to HB3317 by Heffner that we previously voted out.
• plan to provide. coverage for biomarker testing.
• Do commercial plans already handle this?
• to cover it as a covered benefit.
• Ideally, we can treat this dental decay before it gets to this point with a health benefit plan that

Bills: HB813, HB1680, HB3569, HB4074, HB4635, HB5178, SB527, SB1307, SB1822

Keywords: autism, health insurance, coverage, medical treatment, health benefit plan, HIV prevention, prescription drug, prior authorization, health benefits, insurance coverage, insurance, contract termination, property and casualty, insurance agents, discrimination, appraiser, umpire, licensing requirements, continuing education, admin penalties

Transcript Highlights:

• I've always appreciated this part of the ACA, of the essential benefit plan, because I dealt with this
• I've always appreciated this part of the ACA, of the essential benefit plan, because I dealt with this
• Um, I've always appreciated this part of the ACA, of the essential benefit plan, because I dealt with
• Representative Huot: I've always appreciated this part of the ACA, of the essential benefit plan, because
• <00:53:06.760> We working, but not to our benefit. We working, but not to our benefit.

Bills: HF4502, HF3388, HF4106, HF400, HF4138, HF4118, HF4203

Keywords: trusted contact, financial exploitation, elder abuse, elder financial abuse, fraud prevention, financial institution, banking, credit union, broker-dealer, account security, dormant account, consumer protection, scam, suspicious activity, protective services, law enforcement reporting, Minnesota Statutes chapter 45A, HF3388, Minnesota premium security plan, reinsurance

Transcript Highlights:

• The bill does not prohibit Medicare supplement benefits.
• It's going to be to a doctor's advantage to do this, to his benefit.
• There's risk and there's benefit for each, and it's simply informing people.
• , especially in the employee benefits market.
• And plans aren't using AI at this point for handling.

Bills: SB95, SB268, SB493, SB619, SB660, SB922, SB984, SB1098, SB1188, SB1307, SB1332, SB1822

Keywords: immunization, written informed consent, civil liability, health care provider, vaccine compensation, administrative penalty, health care, licensing, complaint procedure, disciplinary action, law enforcement, pharmacy benefit manager, PBM, gag clause, prescription drug pricing, out-of-pocket cost, cash price, pharmacist, pharmacy, prescription drug benefit

Transcript Highlights:

• That subject is pharmacy benefit managers.
• But does not include a flexible benefit plan provided pursuant to section 1342 of Title 74 of the Oklahoma
• Just basically exempts our state-funded plans from this bill.
• Plan that already covers prosthetic benefits to fulfill their contracts with the patients in an equitable
• Most health plans become questionable for me.

Bills: SB1673, SB1500, SB1447, SB1646, SB2007, SB1275, SB2074

Keywords: prosthetics, health insurance, medical necessity, patient rights, insurance liability, pharmacy benefits manager, healthcare providers, claims processing, reimbursement, insurance regulation, employees insurance, contract awarding, certifications, state procurement, insurance plan, mental health, substance use disorders, utilization review, benefit coverage, pharmacy

Bills: AB404, AB428

Keywords: brew pub, alcoholic beverages, liquor store, licensure, regulation, Department of Taxation, fertility preservation, breast cancer, ovarian cancer, oncology, reproductive medicine, infertility, cancer treatment, egg freezing, embryo freezing, oocyte cryopreservation, sperm banking, assisted reproductive technology, health insurance mandate, Medicaid

Transcript Highlights:

• This basically expands the insurance plan and coverage for gentlemen that are at higher risk of prostate

Bills: SB190, HB515, SB190

Keywords: SB190, prostate cancer, prostate screening, PSA test, digital rectal exam, preventive screening, health insurance mandate, cost-sharing, copay, deductible, coinsurance, high-risk men, African American men, family history, genetic marker, men over 50, men over 40, health benefit plan, insurance coverage, mandated benefits

Transcript Highlights:

• benefit Ben benefit mandates new health benefit Ben benefit mandates excuse<00:18:12.720> me<
• new additional benefit.
• That's because when health plans create a policy, they look at what the benefits are that we're providing
• Chair, to a couple questions that came up in the benefit mandate review process: plans are notified from
• Chair, to a couple questions that came up in the benefit mandate review process: plans are notified from

Bills: HF747, HF1014, HF320, HF400

Keywords: corporate governance, shareholder rights, beneficial ownership, defective corporate acts, Minnesota Business Corporation Act, Minnesota Insurance Guaranty Association, MIGA, insurance guaranty fund, insurer insolvency, covered claim, net worth threshold, high-net-worth insured, financial information request, insurance claims, self-insured retention, deductible, commercial insurance, insurance regulation, Minnesota Statutes 60C.09, guaranty association