You will owe a tax penalty. The penalty will increase over time:
It's important to remember that even if you pay the penalty you still won't have any health insurance coverage, and are responsible for 100% of the cost of your medical care.
Yes. Exemptions are available for:
See the instructions on how to apply for an exemption from the individual mandate.
Beginning November 15, consumers who are eligible to purchase insurance from a private, or commercial, health insurer can log on to MNsure.org and create an account to begin the process for the first time. People who are already enrolled in a MNsure plan will receive information about how to renew their coverage through MNsure. If you believe you may be eligible for one of the state’s public programs, MinnesotaCare or Medical Assistance, you can log on and find out if you are eligible at any time. Enrollment for MinnesotaCare and Medical Assistance is open year-round.
MNsure determines qualifications based on the household Modified Adjusted Gross Income (MAGI). For most taxpayers, MAGI is the same as Adjusted Gross Income (AGI) which can be found on Line 4 on a Form 1040EZ, Line 21 on a Form 1040A, or Line 37 on a Form 1040.
Taxpayers who receive non-taxable Social Security benefits, earn income living abroad or earn tax-exempt interest should add back that income to AGI to calculate MAGI.
Medical Assistance eligibility is determined excluding the following types of income: scholarships, awards, or fellowship grants used for education purposes and not for living expenses, and certain American Indian and Alaska Native income derived from distributions, payments, ownership interests, real property usage rights, and student financial assistance.
This is sometimes known as APTC, “advance payments of the premium tax credit” or premium tax credit. You qualify for an APTC depending on your household size and income. 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. Read more information about financial assistance.
Yes, you can enroll during open enrollment. However, if the cost of a plan your employer offers is less than 9.5% of your household income for the year, or if the coverage meets the "minimum value" standard set by the Affordable Care Act, you will not qualify for a tax credit.
You cannot drop coverage and choose a MNsure plan outside of open enrollment unless you are eligible for a special enrollment period with a qualifying event.
Yes, though tax credits may not be available. If the cost of a plan your employer offers is less than 9.5% of your household income for the year, or if the coverage meets the "minimum value" standard set by the Affordable Care Act, you will not qualify for a tax credit. Children are able to be on their own health insurance policy without a parent or other adult on the same policy.
You can see the networks that are available for each plan before purchasing a policy and see if your doctor or clinic is included.
You can shop and compare plans that are available in your area without creating an account. In this view, the price shown for the plan is the full price and does not include any tax credits you may qualify for. To find out if you qualify for tax credit or can participate in Medical Assistance or MinnesotaCare, you'll need to create and account and complete an application.
Absolutely. Births, marriages and changes in employment are just a few examples of qualifying life events that allow you to make changes to your policy outside of open enrollment.
Yes. Many agents and brokers across the state are partnering with MNsure and are able to help you choose the best health insurance product for your needs. In addition, many community organizations across the state have navigators who can assist you with enrollment. Find a certified MNsure Assister.
Visit the DHS Minnesota Health Care Programs website for more information.
No, do not complete another application.
There were delays in getting your enrollment information to insurance companies. Insurance companies are processing enrollments as quickly as possible but you may not have your ID cards or premium invoice until after January 1. Please be patient as insurance companies work through this.
MNsure can confirm that your application was received and sent to your insurance company. To confirm your enrollment call the MNsure Contact Center at 1-855-366-7873.
Your health insurance company will send those materials to you.
You will receive initial communication from your insurance company within 10-15 days of when it receives your enrollment information from MNsure. Watch for this mailing, it will give you important information about your benefits, how and when to make payment, and how to access health care.
To ensure you have coverage on the coverage effective date, you must pay your first month’s premium by the due date provided on your invoice. If you do not pay your premium in full by the due date, your coverage effective date may be delayed.
For more information, view MNsure Coverage Scenarios for January 2015 (PDF).
If you have paid your premium in full, you are covered. Your clinic, pharmacy, dental office or hospital will be able to verify your enrollment through your insurance company if you need care before your official ID card arrives. You can also check your insurance company's website as some make ID cards available to new members online.
Use the numbers below to contact your insurance company:
For more information, view MNsure Coverage Scenarios for January 2015 (PDF).
If you need medical services or to fill a prescription, please contact your insurance company and it will work to provide you with the information you need.
If you have paid your full premium by the deadline provided by the insurance company, you are covered.
Your clinic, pharmacy, dental office, or hospital may be able to verify your enrollment through your insurance company if you need care before your official ID card arrives.
If you need care and do not have a card, contact the health plan’s customer service team. If the plan has received your enrollment from MNsure, you may be able to receive your member number or a temporary ID card or online ID card if you need care.
Yes, current MCHA enrollees who are losing their coverage at the end of 2014 should apply online through MNsure for coverage. Applicants can chose whether or not they wish to apply for financial help. Applicants who are eligible for QHP can enroll in coverage that begins January 1, 2015.
In order to avoid a gap in coverage, we strongly encourage you to complete your online application through MNsure and select a plan between November 15 and December 15. You do not need to report your 2014 MCHA coverage on your application for 2015 coverage. You must pay your first premium to the carrier by the due date provided on the carrier’s invoice in order to have your coverage go into effect.
If you apply and select a plan between December 16, 2014 and December 31, 2014 you are still eligible for January 1, 2015 coverage, but the system will not show this. You will need to call the MNsure Contact Center (1-855-366-7873) and report your loss of MCHA coverage. The MNsure Contact Center can assist in manual enrollment for January 1, 2015 coverage. Be prepared to provide a copy of your MCHA closure notice to your carrier to confirm that you are eligible for the January 1, 2015 effective date.
You must pay your first premium to your insurance company by the due date provided on the insurance company's invoice in order to have your coverage go into effect.
If you select a plan between January 1, 2015 and January 31, 2015, you will be eligible for coverage February 1, 2015. If you select a plan between January 16, 2015 and January 31, 2015, you will need to call the MNsure Contact Center and report loss of MCHA coverage on December 31, 2014. The MNsure Contact Center can assist in manual enrollment for February 1, 2015 coverage. Be prepared to provide a copy of your MCHA closure notice to your carrier to confirm that you are eligible for February 1, 2015 coverage.
If you select a plan between February 1, 2015 and February 28, 2015, you will be eligible for coverage March 1, 2015. If you select a plan between February 16 and February 28, you will need to call the MNsure Contact Center and report loss of MCHA coverage on December 31, 2014. The MNsure Contact Center can assist in manual enrollment for March 1, 2015 coverage. Be prepared to provide a copy of your MCHA closure notice to your carrier to confirm that you are eligible for March 1, 2015 coverage.
March 1, 2015 is the last day you can select a plan to receive coverage for April 1, 2015. A current MCHA enrollee who does not apply for insurance by March 1, 2015 will not be eligible to enroll in coverage until the 2016 open enrollment period, unless you experience another qualifying life event or you qualify for Medical Assistance or MinnesotaCare.
Generally, you may qualify for a special enrollment period of 60 days following certain life events that involve a change in family status (getting married, or having a baby, for example), a change in your income or losing other health coverage. View other examples of qualifying life events.
View our special enrollment page.