Minnesota: Start Here
Beginner guide for Minnesota—MNsure Marketplace, MDH/Commerce external review, ch. 62M PA deadlines, and what to open next.
Read guideState playbook
Minnesota
State insurers, legislation, and appeal resources for patients and advocates in Minnesota.
4 guides
Minnesota Prior Authorization Law
Minn. Stat. ch. 62M—5-day/48-hour PA, 15-day PA appeals, 2026 PA prohibitions, chronic-condition PA, electronic submission.
Read guideMinnesota Health Insurance Appeals and Grievances
Complaints & appeals—30-day complaints, 15-day PA appeals, group 30/45-day appeals, path to § 62Q.73 external review.
Read guideMinnesota External Review (MDH / Commerce)
Binding on plan—6-month filing, 45-day standard, 72-hour expedited, Minn. Stat. § 62Q.73, HMO vs. insurer routing.
Read guidePrior auth & internal appeals
Match the plan on the member ID card. Use the denial letter for where to file appeals.
- Blue Cross / Blue Plus (MN)
- Medica
- UCare
- HealthPartners
- Quartz
- MNsure (Minnesota Marketplace)
- DHS / Medical Assistance
External appeals
After internal appeal, for eligible Minnesota fully insured plans only.
- Commerce — external review
- MDH — HMO external appeal
- Medical Assistance — fair hearing