--- title: "Employee Health Benefits in Minnesota" description: "Minnesota continuation can preserve insured group coverage for up to 18 months after termination or a qualifying reduction in hours, with premiums capped at 102% and a 60-day election window." canonical: "https://spot.insure/coverage/employee-health-benefits/minnesota" page-type: "coverage-state-guide" updated-at: "2026-09-29" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/employee-health-benefits/minnesota) # Employee Health Benefits in Minnesota Minnesota requires covered group policies to let an employee continue coverage after voluntary or involuntary termination or a reduction in hours that ends eligibility, provided the group contract remains in force for active employees. The employee can continue for up to 18 months or until covered under another group plan, whichever comes first, and the premium cannot exceed 102% of the plan cost. The notice and election timeline matters: the employer must explain the option within 14 days, and the employee generally has 60 days to elect.[^1][^2] **Coverage:** [Employee health and benefits](/coverage/employee-health-benefits) · [Minnesota](/coverage/states/minnesota) ## What Is Employee Health And Benefits? Employer health benefits give eligible staff access to medical care through a group plan or another employer arrangement. When setting a budget or renewing, compare eligibility, provider networks, employee contributions and total cost. [Read the national Employee health and benefits guide](/coverage/employee-health-benefits). ## Minnesota Requirements | Requirement | Details | | --- | --- | | Continuation after employment change | Up to 18 months after termination or a reduction in hours that makes the employee ineligible, or until other group coverage begins, whichever is sooner.[^1] | | Notice and election periods | Employer notice within 14 days; employee election within 60 days, measured from the later of coverage termination or receipt of notice.[^1] | | Continuation premium cap | No more than 102% of the plan cost for similarly situated employees.[^1] | ## What to Watch for in Minnesota ### Treat an eligibility-level hour reduction as a trigger Minnesota defines a layoff to include a reduction in hours to the point the employee is no longer eligible under the policy. Check scheduled and actual hours against the plan's eligibility terms before ending coverage or sending the continuation notice.[^1] ### Send the notice within 14 days The employer must tell a terminated or laid-off employee within 14 days about the right to continue, monthly amount, payment destination, and due dates. Ask the carrier or administrator for a notice that states all four items and retain its delivery record.[^1] ### Recheck continuation when another group plan starts Minnesota continuation ends when the former employee becomes covered under another group plan or reaches 18 months, whichever comes first. The statute has a limited rule for an adult age 19 or older whose new plan imposes a preexisting-condition limitation, so ask counsel to review that exception rather than canceling automatically.[^1] ## Who Regulates Insurance in Minnesota **Minnesota Department of Commerce.** The Minnesota Department of Commerce regulates insurance companies and producers, reviews rates and forms, and investigates complaints. You can use its state lookup or complaint service to check a license or raise an insurance issue.[^3][^4][^5] - [Regulator website](https://mn.gov/commerce/insurance/) - [License lookup](https://www.commerce.mn.gov/commerce/licensing/license-lookup/) - [File a complaint](https://mn.gov/commerce/consumer/file-a-complaint/) - Phone: 651-539-1600 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3% of taxable gross premiums less return premiums, plus a 0.04% stamping fee on taxable premium when Minnesota is the insured's home state When Minnesota is the insured's home state, 3% tax applies to taxable gross premiums less return premiums; the separate 0.04% stamping fee on taxable premium is paid by you to the broker. Minnesota requires a policy warning that insolvency loss payment by a nonadmitted insurer is not guaranteed. A diligent search generally applies unless a Minnesota-licensed producer unaffiliated with the surplus-lines broker refers the risk, which the statute deems unavailable from a licensed insurer; an exempt commercial purchaser also has a separate written-request route after the required admitted-market disclosure.[^6][^9][^7][^8][^10] [Minnesota Surplus Lines Association](https://www.mnsla.com/) ## Providers With Documented State Licenses No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. [Check the regulator’s license lookup](https://www.commerce.mn.gov/commerce/licensing/license-lookup/) and confirm availability with a provider when requesting a quote. ## Questions to Ask Before You Buy in Minnesota 1. Does the employee's hour reduction make them ineligible under the certificate, triggering Minnesota continuation? 2. Who sends the 14-day notice and records the 60-day election deadline? 3. How will the administrator handle continuation if the employee obtains new group coverage with a preexisting-condition limitation? ## Employee Health And Benefits in Minnesota: FAQ ### How soon must a Minnesota employer give a continuation notice? Within 14 days after termination or layoff, with the right to elect, the monthly cost, payment instructions, and payment deadlines. The employee generally has 60 days to elect from the later statutory date.[^1] ### What may Minnesota continuation coverage cost? The amount charged may not exceed 102% of the cost for similarly situated active employees. The employee pays monthly to the former employer or, where applicable, to the trust administering the plan.[^1] ## Employee Health And Benefits in Other States - [Alabama](/coverage/employee-health-benefits/alabama) - [Alaska](/coverage/employee-health-benefits/alaska) - [Arizona](/coverage/employee-health-benefits/arizona) - [Arkansas](/coverage/employee-health-benefits/arkansas) - [California](/coverage/employee-health-benefits/california) - [Colorado](/coverage/employee-health-benefits/colorado) - [Connecticut](/coverage/employee-health-benefits/connecticut) - [Delaware](/coverage/employee-health-benefits/delaware) - [District of Columbia](/coverage/employee-health-benefits/district-of-columbia) - [Florida](/coverage/employee-health-benefits/florida) - [Georgia](/coverage/employee-health-benefits/georgia) - [Hawaii](/coverage/employee-health-benefits/hawaii) - [Idaho](/coverage/employee-health-benefits/idaho) - [Illinois](/coverage/employee-health-benefits/illinois) - [Indiana](/coverage/employee-health-benefits/indiana) - [Iowa](/coverage/employee-health-benefits/iowa) - [Kansas](/coverage/employee-health-benefits/kansas) - [Kentucky](/coverage/employee-health-benefits/kentucky) - [Louisiana](/coverage/employee-health-benefits/louisiana) - [Maine](/coverage/employee-health-benefits/maine) - [Maryland](/coverage/employee-health-benefits/maryland) - [Massachusetts](/coverage/employee-health-benefits/massachusetts) - [Michigan](/coverage/employee-health-benefits/michigan) - [Mississippi](/coverage/employee-health-benefits/mississippi) - [Missouri](/coverage/employee-health-benefits/missouri) - [Montana](/coverage/employee-health-benefits/montana) - [Nebraska](/coverage/employee-health-benefits/nebraska) - [Nevada](/coverage/employee-health-benefits/nevada) - [New Hampshire](/coverage/employee-health-benefits/new-hampshire) - [New Jersey](/coverage/employee-health-benefits/new-jersey) - [New Mexico](/coverage/employee-health-benefits/new-mexico) - [New York](/coverage/employee-health-benefits/new-york) - [North Carolina](/coverage/employee-health-benefits/north-carolina) - [North Dakota](/coverage/employee-health-benefits/north-dakota) - [Ohio](/coverage/employee-health-benefits/ohio) - [Oklahoma](/coverage/employee-health-benefits/oklahoma) - [Oregon](/coverage/employee-health-benefits/oregon) - [Pennsylvania](/coverage/employee-health-benefits/pennsylvania) - [Rhode Island](/coverage/employee-health-benefits/rhode-island) - [South Carolina](/coverage/employee-health-benefits/south-carolina) - [South Dakota](/coverage/employee-health-benefits/south-dakota) - [Tennessee](/coverage/employee-health-benefits/tennessee) - [Texas](/coverage/employee-health-benefits/texas) - [Utah](/coverage/employee-health-benefits/utah) - [Vermont](/coverage/employee-health-benefits/vermont) - [Virginia](/coverage/employee-health-benefits/virginia) - [Washington](/coverage/employee-health-benefits/washington) - [West Virginia](/coverage/employee-health-benefits/west-virginia) - [Wisconsin](/coverage/employee-health-benefits/wisconsin) - [Wyoming](/coverage/employee-health-benefits/wyoming) [Other Coverage in Minnesota](/coverage/states/minnesota) ## Sources [^1]: [Minnesota Statutes § 62A.17 — Continuation and Conversion Rights](https://www.revisor.mn.gov/statutes/cite/62A.17) — Minnesota Revisor of Statutes; Subdivisions 1–3: covered termination and reduction in hours, 102% cap, 18-month limit, 14-day notice and 60-day election. Accessed 2026-09-29. [^2]: [Minnesota Statutes § 62L.03 — Availability of Small Employer Coverage](https://www.revisor.mn.gov/statutes/cite/62L.03) — Minnesota Revisor of Statutes; Subdivisions 1 and 3: guaranteed issue and small-employer participation and contribution standards. Accessed 2026-09-29. [^3]: [Insurance](https://mn.gov/commerce/insurance/) — Insurance; Insurance regulator and consumer resources. Accessed 2026-09-28. [^4]: [Insurance License Lookup](https://www.commerce.mn.gov/commerce/licensing/license-lookup/) — Insurance; State-designated producer/company search. Accessed 2026-09-28. [^5]: [File an Insurance Complaint](https://mn.gov/commerce/consumer/file-a-complaint/) — Insurance; Insurance complaint topic; filing portal, complaints line, email contact. Accessed 2026-09-28. [^6]: [Minn. Stat. §297I.05](https://www.revisor.mn.gov/statutes/2025/cite/297I.05) — Minnesota Revisor of Statutes; 3% on gross premiums less return premiums when Minnesota is insured's home state; 100% taxable in Minnesota. Accessed 2026-09-28. [^7]: [Instructions for 2026 Semiannual Stamping Fee Report](https://www.mnsla.com/news/MN%20Stamping%20Fee%20Report%202026.pdf) — Minnesota Surplus Lines Association; 2026 report p.1, lines 82–94: stamping fee rate .0004 (0.04%) of policy premium for transactions effective on or after October 1, 2016; current report linked from the association's 2026 site.. Accessed 2026-09-28. [^8]: [Minn. Stat. §60A.207](https://www.revisor.mn.gov/statutes/2025/cite/60A.207) — Minnesota Revisor of Statutes; 2025 text, lines 250–255: policy notice states insurer is not otherwise licensed in Minnesota and insolvency loss payment is not guaranteed.. Accessed 2026-09-28. [^9]: [Minn. Stat. §297I.01](https://www.revisor.mn.gov/statutes/2025/cite/297I.01) — Minnesota Revisor of Statutes; Definition of gross premiums for nonadmitted insurance includes fees, assessments and other consideration, with stamping fee and operating assessment exclusions. Accessed 2026-09-28. [^10]: [Minnesota Statutes 2025, §60A.201](https://www.revisor.mn.gov/statutes/2025/cite/60A.201) — Minnesota Revisor of Statutes; 2025 Minn. Stat. §60A.201 subd.1 (admitted-market restriction); subd.5 (ECP disclosure and subsequent written request); subd.6 (risk referred by unaffiliated Minnesota-licensed producer deemed unavailable). Amendments listed through 2025.. Accessed 2026-09-28. [^11]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^12]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^13]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^14]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^15]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^16]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^17]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-29. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/employee-health-benefits/minnesota.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)