You will owe a tax penalty. The penalty will increase over time:
Yes. Exemptions are available for:
Instructions on how to apply for an exemption from the individual mandate is available here.
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.
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.
Your health insurance company will send those materials to you after receiving confirmation of your enrollment from MNsure and your first monthly premium payment. It may take several weeks for that confirmation to be sent and for you to receive your ID card. If you have any questions about the status of your enrollment, please call the Contact Center at 1-855-366-7873.
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.
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.