MNsure is Minnesota's online marketplace where individuals, families and small businesses are able to get quality, affordable health insurance that fits your budget (with some reduced cost, low-cost or free plans).

Description

MNsure is Minnesota's online health insurance marketplace where individuals and families are able to get quality, affordable health insurance that fits your budget. You may even qualify for a reduced cost, low-cost or free plan.

MNsure is the only place you can apply for financial help to lower the cost of your monthly insurance premium and out-of-pocket costs.

MNsure offers:

• An easy-to-use website where you can search and compare plans
• A contact center you can call to talk with someone about your options
• Places where you can get help and sign up in your community

The MNsure website:

• Allows you to comparison-shop for insurance online from health plans that meet baseline standards
• Lets you know if you qualify for tax credits or financial assistance or low-cost or free plans
• Allows you to apply and enroll online in health insurance plans
• Shows you what your potential cost will be with examples of average costs
• Allows you to apply for Medical Assistance and MinnesotaCare as long as you do not have Medicare

One of the provisions of health reform requires that new health insurance plans must include a minimum set of health care services and products, presented in a way so that you can compare plans to each other and understand what the plans will cost. The minimum set is commonly called Essential Health Benefits and it applies to plans within exchanges and also outside of exchanges. The Minnesota Department of Commerce is responsible for setting the standard benchmark plan for the state.

Features

• Area Served by County
  • Statewide

Eligibility

To estimate whether you may qualify for subsidized low cost or free coverage, view tax credit and cost sharing assistance information

MNsure plans are not available to people with Medicare.

Application Instructions

Apply for MNsure online or by phone.

If you need help to apply for MNsure, community-based MNsure Assisters can help. To find an Assister Navigator, go online or by calling (855) 366-7873.

Open enrollment for MNsure is November 1 - January 31 every year.

This deadline does not apply to Medical Assistance (MA) or MinnesotaCare, or for anyone who is currently covered.

Some people may qualify for a limited special enrollment period due to COBRA coverage or if there is a qualifying life event. To find out if you qualify for a special enrollment period, call MNsure at (855) 366-7873.

Fee

The fees for health coverage will vary depending on the amount of coverage you select, the deductible, the range of health services covered under policy selected, your health needs, the number of people in your family to be covered, any subsidies for eligible participants, etc.