HF3053

HF3053 (Legislative Session 94 (2025-2026))

Health maintenance organization regulations updated.

Related bill: SF3295

AI Generated Summary

Purpose of the Bill

This legislation aims to update regulations relating to Health Maintenance Organizations (HMOs) by amending various sections of Minnesota Statutes. The bill seeks to clarify and adjust the roles and responsibilities of the commissioners of commerce and health in regulating HMOs.

Main Provisions

Disclosure of Insurance Data: The bill amends provisions regarding the disclosure of insurance data by the commissioner of commerce or health. Specifically, it references existing statutory sections for guidance on data disclosure.
Definition of Commissioner: This bill clarifies that the term "commissioner" refers to the commissioner of commerce or health, depending on the context of regulation, particularly concerning HMOs.
Powers of the Commissioner: The scope of the commissioner’s authority is expanded to examine registered insurers and their affiliates to determine the financial condition and enterprise risks within insurance holding company systems.
Cost of Examination: It mandates that registered insurers are responsible for the expenses incurred during these examinations as per specified statutes.
Rulemaking Authority: The commissioners of commerce and health are granted the power to adopt necessary rules and orders to implement the provisions of the chapter, especially as they pertain to HMOs.
Insurance Provisions for HMOs: Health maintenance organizations must comply with certain insurance provisions applicable to insurers. The bill outlines which sections of the insurance statutes apply to HMOs and allows the commissioner of health to adopt additional rules if necessary.

Significant Changes

Integration with Existing Laws: It integrates HMOs more fully into the existing insurance regulation framework, demanding compliance with certain insurance standards.
Expanded Regulatory Oversight: The bill provides an expanded framework for the commissioner of health to actively regulate HMOs alongside traditional insurers, ensuring consistent oversight within Minnesota’s insurance laws.

Relevant Terms

HMOs (Health Maintenance Organizations)
Commissioner of Commerce
Commissioner of Health
Insurance Data Disclosure
Enterprise Risk
Insurance Holding Company System
Rulemaking Authority
Regulatory Oversight

Bill text versions

Introduction PDF file

Actions

Date	Chamber	Where	Type	Name	Committee Name
April 01, 2025	House	Floor	Action	Introduction and first reading, referred to	Health Finance and Policy

Citations

[
  {
    "analysis": {
      "added": [],
      "removed": [],
      "summary": "This bill modifies the disclosure of insurance data under section 13.7191.",
      "modified": [
        "Clarifies the governance of disclosure by adding a reference to 60D.22 for guidance."
      ]
    },
    "citation": "13.7191",
    "subdivision": "subdivision 4"
  },
  {
    "analysis": {
      "added": [],
      "removed": [],
      "summary": "The bill modifies the definition of 'commissioner' to include both commerce and health.",
      "modified": [
        "Expands the definition of 'commissioner' to include the commissioner of health for HMO regulations."
      ]
    },
    "citation": "60D.15",
    "subdivision": "subdivision 3"
  },
  {
    "analysis": {
      "added": [],
      "removed": [],
      "summary": "Amendment clarifies examination powers of the commissioner under section 60D.21.",
      "modified": [
        "Outlines additional powers for examining insurers related to financial risk within holding companies."
      ]
    },
    "citation": "60D.21",
    "subdivision": "subdivision 1"
  },
  {
    "analysis": {
      "added": [],
      "removed": [],
      "summary": "Amends section 60D.21 regarding payment of examination expenses.",
      "modified": [
        "Clarifies liability for expenses incurred during examination under specified conditions."
      ]
    },
    "citation": "60D.21",
    "subdivision": "subdivision 3"
  },
  {
    "analysis": {
      "added": [],
      "removed": [],
      "summary": "Amendment discusses rule adoption by commissioners under section 60D.23.",
      "modified": [
        "Outlines rule adoption responsibilities for the commissioners of commerce and health."
      ]
    },
    "citation": "60D.23",
    "subdivision": ""
  },
  {
    "analysis": {
      "added": [],
      "removed": [],
      "summary": "Amends insurance provisions applicable to HMOs under section 62D.221.",
      "modified": [
        "Specifies additional sections and rules applicable to health maintenance organizations."
      ]
    },
    "citation": "62D.221",
    "subdivision": "subdivision 1"
  }
]