MNsure is an online marketplace for Minnesotans to enroll in health care coverage. Through MNsure, consumers can compare and enroll in policies from private companies (Qualified Health Plans), as well as enroll in Medical Assistance or MinnesotaCare.
MNsure Quick Facts:
- As of January 2014, most adults over age 18 are required by law to have health insurance or pay a fine (some exemptions apply).
- You cannot be denied coverage due to a pre-existing condition
- You cannot be charged a higher premium because of your medical history
- There is no annual or lifetime dollar limit on coverage
- There are 3 coverage options:
- Qualified Health Plans–offered through private insurance companies. Tax credits are available to many Minnesotans for enrolling in these plans.
- MinnesotaCare–covers low-income earners. The maximum premium is $80/month per person.
- Medical Assistance–covers low-income individuals, particularly children and pregnant women. There is no monthly premium.
For assistance with enrollment, please check the “How to Enroll” page.
Many Minnesotans qualify for some level of financial assistance. The only way to receive financial assistance is to apply through MNsure.
The table below shows what you may qualify for depending on household size and annual income. (MNsure Financial Assistance)
Use the calculator (provided by Get Covered America) to get an idea of what your monthly premium might be.
For more information on costs, please go to the MNsure Cost Overview website.
Key Health Insurance Terms
- Premium: The amount that must be paid for your health insurance or plan. You and/or your employer usually pay it monthly, quarterly or yearly.
- Advanced Premium Tax Credits (APTC): Sometimes known as “advance payments of the premium tax credit” or premium tax credit. These tax credits can be used to lower monthly premium costs. If you qualify, you may choose how much advance credit payment to apply to your premiums each month, up to a maximum amount.
- Deductible: The amount you must pay out-of-pocket for health care services covered by your health insurance or plan before your health insurance or plan begins to pay. For example, if your deductible is $1,000, your plan won’t pay anything until you’ve met your $1,000 deductible for covered health care services subject to the deductible. The deductible may not apply to all services.
- Co-Payment: A fixed amount (for example, $15) you pay for a covered health care service, usually when you receive the service. The amount can vary by the type of covered health care service.
- Cost-Sharing Reduction: A discount that lowers the amount you have to pay out-of-pocket for deductibles, co-insurance and co-payments. You can get this reduction if you get health insurance through the marketplace, your income is below a certain level and you choose a health plan from the silver plan category. If you’re a member of a federally recognized tribe, you may qualify for additional cost-sharing benefits.
Toll-free Contact Center Line:
Contact Center Hours
- Monday–Friday: 8:00 a.m. to 6:00 p.m.
- Saturday: 8:00a.m. to 12:00p.m.
- Sunday: closed
Closed for major holidays