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Minnesota insurance complaint and appeal help

Minnesota Department of Commerce. Use this page to find where to file an insurance complaint in Minnesota.

• Complaint page: https://mn.gov/commerce/consumer/file-a-complaint/
• Department website: https://mn.gov/commerce/
• Phone listed on the department's page: 651-539-1600
• Last verified: October 17, 2026. Link check on 2026-10-17: HTTP 200 and the page mentions "complaint".

External review

This state operates an external review process that meets federal standards, per KFF. Your final denial notice names who handles it. For some plans, including self-funded employer plans, a federal process applies instead.

Before you file

1. Appeal to the insurer first and keep copies; a complaint does not stop appeal or lawsuit deadlines.
2. Check whether your plan is state-regulated: self-funded employer plans are usually outside state jurisdiction.
3. Use the complaint summary letter to organize your answers, then use the department's own form.

This page is not an endorsement of any department or insurer. Phone numbers and web addresses change; check the department's page.