Insurers allowed to provide explanation of benefits electronically.

HF 3055 allows Minnesota health insurers to provide patients with electronic "explanation of benefits" (EOB) documents instead of paper copies. Insurers must offer patients a choice between paper, electronic, or both formats, and unresponsive patients default to paper. Electronic versions must contain identical data and formatting as paper documents. This bill directly affects health insurers and their patients who receive EOBs for covered health services in Minnesota.