Enrollee's contribution toward an out-of-pocket maximum or cost sharing calculation requirements set.

HF 1808 requires Minnesota health insurance companies to count all payments made by enrollees (or on their behalf) toward their out-of-pocket maximums, including co-pays, coinsurance, and deductibles. This applies to all health plans offered, issued, or renewed in Minnesota after January 1, 2026. The bill directly affects health insurance enrollees by ensuring all their payments count toward meeting cost-sharing limits, and it applies to all health plan companies operating in the state. The law aims to clarify how insurers calculate these limits under Minnesota Statutes.