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SF 1109

Insurance companies accepting an individual taxpayer identification number on insurance coverage applications requirement provision

2025-2026 Regular Session Introduced by Liz Boldon and 3 co-sponsors

Insurance applications must accept an ITIN instead of SSN, with disclosures, for coverage issued or renewed on or after Jan 1, 2026.

Chief author added Dahms
#commerceandcommercedepartment #insurance
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Bill Summary · SF 1109

Summary of SF 1109 (Minnesota, 2025-2026)

Purpose and Intent

SF 1109 proposes a regulatory requirement for insurance companies to accept an Individual Taxpayer Identification Number (ITIN) in place of a Social Security Number (SSN) on insurance coverage applications. The bill aims to reduce barriers for individuals who do not have an SSN but who can provide an ITIN, thereby expanding access to insurance products offered, issued, or renewed on or after January 1, 2026.

Key Provisions

  • New requirement for insurance applications: If an insurance company requires a new customer to provide a Social Security number (SSN) on an application for insurance coverage, the company must accept an ITIN in lieu of the SSN.
  • Disclosure on forms: The insurance coverage application must indicate that the company accepts an ITIN as a substitute for an SSN.
  • Effective date: The provision becomes effective January 1, 2026 and applies to insurance coverage offered, issued, or renewed on or after that date.
  • Statutory change: Adds a new subdivision (Subd. 12) to Minnesota Statutes, section 60A.07, addressing the ITIN/SNN substitution.

Who Is Affected

  • Insurers: All insurer entities offering, issuing, or renewing insurance coverage in Minnesota after January 1, 2026.
  • Consumers without SSNs: Individuals who have ITINs (often used by non-citizens or residents without SSNs) who seek insurance coverage.

Practical Impact

  • Access and nondiscrimination: By allowing ITINs, the bill seeks to reduce barriers for certain individuals in obtaining insurance products, aligning with broader anti-discrimination and accessibility goals.
  • Application process: Insurers must update application forms to clearly state ITIN acceptance and ensure internal systems can process ITINs in place of SSNs where required.
  • Compliance window: Insurers will need to implement changes ahead of or by January 1, 2026 to ensure readiness for coverage issued or renewed after that date.

Procedural and Timeline Details

  • Introduction and sponsor context: SF 1109 has multiple sponsors and co-sponsors, with the latest notable activity showing committee referrals and changes in authorship during the 2025-2026 session.
  • Committee status: Referred to Commerce and Consumer Protection (as of early 2025). Status updates indicate ongoing legislative action, including chair and author changes in 2026.
  • Implementation timing: The substantive requirement takes effect January 1, 2026, with applications for insurance coverage issued or renewed on or after that date subject to the ITIN acceptance rule.

Notes

  • The bill text is explicit that the ITIN can replace an SSN on insurance applications, and that applications must disclose ITIN acceptance.
  • There is no specified penalty or enforcement mechanism detailed in the provided summary text; such details would typically be found in the full statutory language or implementing rules if enacted.

If you’d like, I can provide a side-by-side comparison with current Minnesota law (60A.07) to highlight the exact changes and any related regulatory implications.

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

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