Insurers allowed to provide explanation of benefits electronically.

Minnesota House Bill 3055 (HF3055) proposes allowing health insurers to provide Explanation of Benefits (EOB) statements to policyholders electronically, in addition to the traditional paper format. The bill ensures that policyholders can choose their preferred method of receiving EOBs—paper, electronic, or both. Insurers are required to offer clear instructions for policyholders to make this choice, and those who do not specify a preference will continue to receive paper EOBs by default.

Supporters of HF3055 highlight its potential to modernize communication between insurers and policyholders, offering greater convenience and faster access to EOBs. The bill is seen as a step toward reducing paper waste and operational costs for insurers, aligning with broader digital transformation trends in the healthcare industry.

Critics of HF3055 express concerns about the digital divide, noting that some policyholders, particularly older adults or those without reliable internet access, may face challenges in receiving electronic EOBs. There are also apprehensions regarding data security and privacy, as electronic transmission of sensitive health information could be vulnerable to breaches if not properly safeguarded.