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Minnesota Health Insurance

Consumer Rights under MN State Law

Minnesota Policy Restrictions

Minnesota insurance policies are required to automatically cover all newborns and adopted children for 31 days, if the policy already covers dependents. It is important to know that the insured is responsible for adjusting the insurance policy to continue coverage of the dependant.

Minnesota insurance policies are guaranteed renewable. No insurance company can deny a renewal request if the individual has not violated specified contract terms.

Minnesota Insurance Company Restrictions

Insurance companies in Minnesota do no have policies that are set by the state. This means they can tailor their policies how they want. Insurance companies can choose to cover or not cover certain pre-existing medical conditions.

This is called Elimination riders, and can be added to any policy. They can also set higher premiums based on current and past health conditions and age.

Minnesota does not require an insurance company to cover all pre-existing conditions. The insurance company can permanently exclude pre-existing conditions. Minnesota insurance companies also have the choice to have a grace period before they pay for pre-existing conditions.

Another option is that they can offer coverage of pre-existing conditions for a higher premium.
Minnesota Health insurance companies do offer temporary health insurance policies. This coverage is not guaranteed renewable.


Always check with your health insurance company on latest policies. These types of policies rarely ever change (but can), and they are very similar from state to state. So, we have tried to highlight the differences, where applicable.

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