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. Available exemptions include:
An individual over age 30 wanting to purchase catastrophic coverage must receive a hardship or unaffordable coverage exemption. Individuals age 30 and younger do not need an exemption to purchase this type of coverage.
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.
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.
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:
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.
Generally, you 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 a loss of other health coverage. View other examples of qualifying life events.
View our special enrollment page.