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HF 4465

MNsure easy enrollment provisions changed.

2025-2026 Regular Session Introduced by Robert Bierman

HF 4465 expands MNsure outreach to provide general eligibility information and pursue targeted enrollment assistance, including a 65-day special enrollment period for eligible taxp

Introduction and first reading, referred to Health Finance and Policy
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Bill Summary · HF 4465

Summary of HF 4465 (2025-2026) – MNsure Easy Enrollment Provisions Changed

Date introduced: March 18, 2026
Committee: Health Finance and Policy
Sponsor: Representative (co-sponsor) Robert Bierman

1) Purpose and intent

HF 4465 revises Minnesota’s MNsure easy enrollment health insurance outreach program. The changes aim to:
- Increase access to affordable health insurance and reduce the number of uninsured Minnesotans.
- Provide broader information about potential eligibility and available financial assistance through MNsure.
- Facilitate targeted outreach and voluntary enrollment assistance (including navigator or broker support) for interested taxpayers and their households.

2) Key provisions and changes

Section 62V.13 – Easy Enrollment Health Insurance Outreach Program

  • Subdivision 1 – Establishment and goals

    • The MNsure program, in cooperation with the Department of Revenue, is tasked to: 1) Reduce the uninsured rate and improve access to affordable coverage. 2) Allow the Department of Revenue to provide return information to MNsure upon taxpayer request, so MNsure can inform the taxpayer about potential eligibility for financial assistance and MNsure enrollment options. 3) Replace prior text that limited MNsure to "estimate taxpayer potential eligibility" with language to provide general information about potential eligibility and available financial assistance through MNsure. 4) Enable MNsure to conduct targeted outreach and connect interested taxpayers with navigator or broker assistance for free enrollment help.

  • Subdivision 2 – Eligibility screening (new approach)

    • When MNsure receives return information from the Department of Revenue, MNsure may review it to identify households that may benefit from health coverage through MNsure and to provide general information about coverage and financial assistance (replacing the former “projected eligibility assessment”).

  • Subdivision 3 – Outreach letter and special enrollment period (SEP)

    • (a) MNsure must send a written outreach letter with general information about health insurance coverage and available financial assistance to taxpayers who indicate to the Department of Revenue that they want information about access to health insurance.
    • (b) Eligible taxpayers who receive the outreach letter may obtain a special enrollment period. Key timing details:
    • The SEP is triggered the day the outreach letter is mailed.
    • Eligible individuals (and dependents) have 65 days from the triggering date to select a qualifying health plan.
    • Coverage for the chosen plan becomes effective the first day of the month after plan selection.
    • (c) Households with a current MNsure enrollee are not eligible for this SEP.
    • (d) MNsure must publicly provide information about the easy enrollment outreach program and the SEP.

  • Subdivision 4 – Appeals

    • (a) Any eligibility assessments or information provided under this section are not appealable.
    • (b) Qualification for the SEP is appealable to MNsure under the existing statutes and rules.

Effective date

  • The section is effective the day after final enactment.

3) Who is affected

  • Minnesota residents who interact with the Department of Revenue and express interest in health insurance access information.
  • MNsure-eligible individuals and their households, particularly those who may benefit from financial assistance or coverage options.
  • Taxpayers who receive the outreach letter and are eligible for a SEP, including their dependents.
  • Navigators and brokers who provide enrollment assistance (as an option for free enrollment help).

4) Procedural and timeline aspects

  • The SEP is triggered by the mailing date of the outreach letter, with a 65-day enrollment window.
  • Coverage takes effect the first day of the month after the plan is selected.
  • Outreach and information provided under this program are non-appealable, except for the SEP eligibility, which is subject to MNsure and state rules.
  • The program involves collaboration between MNsure and the Department of Revenue, enabling sharing of taxpayer return information to identify potentially eligible households (for general information and enrollment options).

5) Practical implications

  • Potentially broader reach for MNsure enrollment assistance beyond traditional channels.
  • Shortened or clear window for SEP enrollment may accelerate coverage for eligible households.
  • Shifts in how eligibility information is communicated (from “projected eligibility” assessments to general information and outreach).
  • Public communications will need to explain the SEP and ensure taxpayers understand their rights and timelines.

Note: This summary reflects the text and provisions as introduced in HF 4465 and does not reflect any amendments that may be adopted during further legislative action.

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

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