Enrollee's contribution toward cost-sharing and out-of-pocket maximum requirements calculation establishment provision

This bill establishes how health insurance plans in Minnesota must calculate an enrollee's contribution toward cost-sharing and out-of-pocket maximums. It requires health plans and pharmacy benefit managers to include all amounts paid by or on behalf of enrollees when determining these totals, including for prescription drugs covered under medical benefits. The law also specifies that these calculation rules apply only after enrollees meet their plan deductibles to avoid affecting eligibility for certain federal tax benefits. The provisions will take effect on January 1, 2027, for health plans offered, issued, or renewed on or after that date.