QHPs are commercial health insurance plans offered by insurance companies to address the coverage needs of Minnesotans. All of the plans offer the same core set of benefits, including preventive services, mental health and substance abuse services, emergency services, prescription drugs and hospitalization. Some plans include benefits beyond the core set.
Each of the plans has been reviewed by state regulators and approved to be sold on MNsure.
All plans on the MNsure marketplace have been certified as QHPs.
QHPs will cover:
All plans offered in the MNsure marketplace include new consumer protections.
As you shop, you will see the following plan information:
To help you make your choice, we have developed an optional selection tool called “What Matters Most to Me.” The tool walks you through a list of targeted questions, pulls the plans that most closely match your personal preferences, and places them atop your list for a closer look. The tool is available in one of two ways: 1) after you create your account and begin your application; or 2). You can also use this tool after answering a few short questions. Your responses will help pull up a list of plans you are able to purchase and accurate pricing information.
Each QHP has a network of providers (doctors, clinics, hospitals) attached to it that have a signed contract with a health insurer to provide covered services to plan enrollees. Enrollees often receive the most coverage at the lowest cost when they use a provider in their network.
The prescription drugs covered (formulary) can vary from plan to plan.
Although the online application is straightforward, sometimes you want a little help understanding certain information or would like some advice. We have a network of partners in your community who can assist you. Find an assister through the Assister Directory.
Or call the toll-free Contact Center line at 1-855-3MNSURE (1-855-366-7873) and talk with a specialist.