Minnesota Health Insurance Regulations

Minnesota does not have as many health insurance regulations as other states - which means it's important to know them well.

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Minnesota health insurance laws

Minnesota health insurance policies are required to include the following:

  • guaranteed renewability provision
  • exclusion period for pre-existing conditions of no more than 12 months.

Minnesota health insurance regulations

Minnesota health insurance companies can:

  • deny you health insurance on the basis of your health
  • charge you higher premiums on the basis of your health

Minnesota health insurance companies must:

  • not cancel an existing health insurance policy due to illness.

HMOs must have an open enrollment period where any Minnesota resident can purchase health insurance.

Minnesota health insurance: temporary policies

Conversion plans are available for temporary Minnesota health insurance.

Other MN health insurance info

If you want more help getting a good health insurance policy, take our free health insurance internet course.

Or check out our guide to Minnesota small business health insurance.


For more on MN health insurance, visit the Minnesota Department of Commerce.

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Then subscribe to our free email course. You'll learn the simple step-by-step process that will help you locate, evaluate, and purchase the best possible health plan for you and your family. (Or your small business).

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