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HF 3923

Guaranteed issuance of Medicare supplement policies for enrollees of a Medicare supplement policy that is involuntarily terminated or issued by an insolvent issuer expanded.

2025-2026 Regular Session Introduced by Erin Koegel

Minnesota expands guaranteed Medicare supplement coverage for seniors losing policies through involuntary termination or insurer insolvency, ensuring continued access without medical review.

Introduction and first reading, referred to Health Finance and Policy
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Bill Summary · HF 3923

Legislative bill overview

HF 3923 expands Minnesota's requirements for guaranteed issuance of Medicare supplement (Medigap) policies when enrollees lose coverage due to involuntary termination or insurer insolvency. The bill broadens protections to ensure seniors can obtain replacement coverage without medical underwriting or waiting periods during these circumstances.

Why is this important

Medicare supplement policies help seniors pay for costs that Original Medicare doesn't cover (copayments, coinsurance, deductibles). When insurers terminate policies or become insolvent, enrollees face coverage gaps and potential financial hardship. Guaranteed issuance protections ensure vulnerable older adults can maintain continuous health insurance without being denied due to pre-existing conditions or health status.

Potential points of contention

  • Insurer costs and premiums: Mandatory guaranteed issuance requirements may increase administrative costs for insurers, potentially raising premiums for all Medigap customers or reducing insurer participation in the Minnesota market
  • Scope of "involuntary termination": Defining what qualifies as involuntary termination (non-payment versus issuer decision versus market withdrawal) could create disputes about who gets protection
  • Timeline and implementation: Unclear whether the expansion includes specific timeframes for issuance and what happens if no insurers offer coverage in certain areas or age groups

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

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