Preexisting condition limitations in Medicare supplement insurance policies modified.

HF 2335 modifies Minnesota's rules for Medicare supplement insurance (Medigap) policies to prevent health insurers from denying coverage or charging more due to preexisting conditions. It directly affects Medicare beneficiaries in Minnesota, including those under 65 who qualify due to disability, when applying for Medigap during the six-month period after first enrolling in Medicare Part B or during open enrollment. The bill requires insurers to offer coverage without preexisting condition limits during these enrollment windows and mandates automatic reinstatement of policies without new waiting periods if a policyholder loses Medicaid eligibility (medical assistance) and notifies the insurer within 90 days. This ensures more stable and accessible coverage for Minnesotans relying on Medicare.