Minnesota Legislature
Office of the Revisor of Statutes
2006 Minnesota Statutes
This is an historical version of this statute chapter. Also view the most recent published version.
72C.10 FILING REQUIREMENTS; DUTIES OF COMMISSIONER.
Subdivision 1. Readability compliance; filing and approval. No insurer shall make,
issue, amend, or renew any policy or contract after the dates specified in section 72C.11 for the
applicable type of policy unless the contract is in compliance with the requirements of sections
72C.06 to 72C.09 and unless the contract is filed with the commissioner for approval. The contract
shall be deemed approved 60 days after filing unless disapproved by the commissioner within the
60-day period. When an insurer, service plan corporation, or the Minnesota Comprehensive Health
Association fails to respond to an objection or inquiry within 60 days, the filing is automatically
disapproved. A resubmission is required if action by the Department of Commerce is subsequently
requested. An additional filing fee is required for the resubmission. The commissioner shall not
unreasonably withhold approval. Any disapproval shall be delivered to the insurer in writing,
stating the grounds therefor. Any policy filed with the commissioner shall be accompanied by a
Flesch scale readability analysis and test score and by the insurer's certification that the policy or
contract is in its judgment readable based on the factors specified in sections 72C.06 to 72C.08.
Subd. 2. Contract or policy disapproval. The commissioner shall disapprove any contract
or policy covered by subdivision 1 if the commissioner finds that:
(a) it is not accompanied by a certified Flesch scale analysis readability score of more than 40;
(b) it is not accompanied by the insurer's certification that the policy or contract is in its
judgment readable under the standards of sections 72C.01 to 72C.13;
(c) it does not comply with the readability standards established by section 72C.06;
(d) it does not comply with the legibility standards established by section 72C.07; or
(e) it does not comply with the format requirements established by section 72C.08.
History: 1977 c 345 s 10; 1986 c 444; 2006 c 255 s 61
Subdivision 1. Readability compliance; filing and approval. No insurer shall make,
issue, amend, or renew any policy or contract after the dates specified in section 72C.11 for the
applicable type of policy unless the contract is in compliance with the requirements of sections
72C.06 to 72C.09 and unless the contract is filed with the commissioner for approval. The contract
shall be deemed approved 60 days after filing unless disapproved by the commissioner within the
60-day period. When an insurer, service plan corporation, or the Minnesota Comprehensive Health
Association fails to respond to an objection or inquiry within 60 days, the filing is automatically
disapproved. A resubmission is required if action by the Department of Commerce is subsequently
requested. An additional filing fee is required for the resubmission. The commissioner shall not
unreasonably withhold approval. Any disapproval shall be delivered to the insurer in writing,
stating the grounds therefor. Any policy filed with the commissioner shall be accompanied by a
Flesch scale readability analysis and test score and by the insurer's certification that the policy or
contract is in its judgment readable based on the factors specified in sections 72C.06 to 72C.08.
Subd. 2. Contract or policy disapproval. The commissioner shall disapprove any contract
or policy covered by subdivision 1 if the commissioner finds that:
(a) it is not accompanied by a certified Flesch scale analysis readability score of more than 40;
(b) it is not accompanied by the insurer's certification that the policy or contract is in its
judgment readable under the standards of sections 72C.01 to 72C.13;
(c) it does not comply with the readability standards established by section 72C.06;
(d) it does not comply with the legibility standards established by section 72C.07; or
(e) it does not comply with the format requirements established by section 72C.08.
History: 1977 c 345 s 10; 1986 c 444; 2006 c 255 s 61
Official Publication of the State of Minnesota
Revisor of Statutes