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Bill

HF 973

Emergency mental health services modified; co-payments, coinsurance, and deductibles for mobile crisis intervention eliminated; and money appropriated.

2025-2026 Regular Session Introduced by Jeff Backer and 2 co-sponsors

Minnesota bill eliminates patient out-of-pocket costs for mobile crisis mental health intervention services and appropriates state funding to cover the expense.

Author added Pérez-Vega
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WeVote Research Nonpartisan
Bill Summary · HF 973

Legislative bill overview

HF 973 modifies Minnesota's emergency mental health services by eliminating out-of-pocket costs (co-payments, coinsurance, and deductibles) for mobile crisis intervention services. The bill appropriates state funding to cover these costs, making mobile crisis services fully covered under health insurance plans without financial barriers at the point of care.

Why is this important

Mobile crisis intervention teams provide immediate mental health response to individuals in acute distress, often as an alternative to emergency rooms or law enforcement. Removing cost barriers could increase access to these services for low-income and uninsured Minnesotans during mental health emergencies, potentially reducing unnecessary hospitalizations and improving outcomes. However, this represents a significant expansion of covered services that will require sustained state appropriations.

Potential points of contention

  • Cost and sustainability: The bill requires ongoing state funding to reimburse for eliminated co-pays and deductibles; lawmakers may debate whether appropriations are sufficient or if this creates unfunded obligations for future budgets
  • Implementation scope: Questions about which providers qualify as mobile crisis intervention teams, which geographic areas are served, and coordination with existing emergency services remain unclear from the bill's description
  • Insurance market impact: Health insurers may oppose or seek to pass through costs; debate over whether this should be mandated across all plans or limited to public programs like Medicaid

Compiled from official sources — confirm details with the bill’s official record.

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