The proposed bill establishes the MinnesotaCare public option, expanding eligibility and creating a premium scale for enrollees. It mandates the commissioner of commerce to seek a Section 1332 waiver and appropriates funds for implementation. Key amendments to Minnesota Statutes include the addition of definitions for "MinnesotaCare public option" and "public option enrollee," as well as provisions for the operation of MNsure, which will now include the public option in its offerings. The bill outlines the responsibilities of insurance producers and navigators in assisting individuals with enrollment, including potential compensation for successful enrollments. It also requires MNsure to facilitate access to the public option and ensure continuous coverage for individuals transitioning between public health care programs.

The bill specifies that MNsure must support the public option through applications and eligibility determinations, allowing individuals to compare coverage options easily. It introduces certification requirements for insurance producers and a compensation structure for their services. The public option will be exempt from certain eligibility requirements, with cost-sharing mandates based on household income levels. Enrollment limits are set for the first three years, with no limits for individuals earning below specific thresholds. The bill authorizes the commissioner of commerce to submit a federal waiver for necessary approvals and includes appropriations to support the development and implementation of the public option, effective January 1, 2027, or upon federal approval, whichever is later.

Statutes affected:
Introduction: 62V.02, 62V.03, 62V.05, 62V.051, 62V.06, 62V.13, 256L.01, 256L.03, 256L.04, 256L.07, 256L.12