Data on fully denied claims requirement to be submitted to the all-payer claims database

SF 2104 requires health insurance companies in Minnesota to submit detailed data on fully denied health claims to the state's all-payer claims database. Specifically, insurers must include the reason for each denial, claim status, and a unique identifier linking the original claim to any follow-up actions. This data, which must be de-identified and include race/ethnicity where available, will help researchers and providers analyze denial patterns and improve healthcare access. The bill also establishes a fee schedule for researchers seeking expanded access to this database for public-benefit studies, while prohibiting uses that could reidentify individuals or create unfair market advantages.