Health plan enrollee's contribution toward and out-of-pocket maximum or cost sharing calculation requirements establishment

This bill requires Minnesota health insurance plans to include all payments made by enrollees (or on their behalf) toward out-of-pocket costs when calculating their annual maximum out-of-pocket limit. It specifically mandates that co-payments, coinsurance, and deductibles count toward this limit, ensuring all contributions are properly tracked. The law applies to health plans offered, issued, or renewed on or after January 1, 2026. This directly affects health plan members and insurers in Minnesota by standardizing how out-of-pocket spending is calculated.