Terms and Privacy

System use must comply with all applicable state policies and standards, and all applicable state and federal laws.

Unauthorized access to METS or use of the system for any act or use other than official, assigned duties is strictly prohibited. This prohibition includes access in excess of the minimum necessary to perform assigned job duties and training.

System and equipment use are subject to monitoring to ensure proper performance of applicable security features or procedures. Such monitoring may result in the acquisition, recording and analysis of all data being communicated, transmitted, processed or stored in this system. If monitoring reveals possible evidence of criminal activity, such evidence may be provided to Law Enforcement Personnel.

Authorized users have a duty to ensure the accuracy, relevance, timeliness and completeness of personally identifiable information, as is reasonably necessary, to assure fairness in making determinations about an individual. Authorized users may not knowingly or willingly conceal, remove, mutilate, obliterate, falsify or destroy information outside of appropriate retention periods.

Authorized users may only use personally identifiable information for the purpose for which it was authorized to be collected and used.

Authorized users have an obligation to protect the system and information from unauthorized access, use, modification, destruction, theft or disclosure by maintaining security and control over devices accessing the system, refraining from sharing account information, and using secure methods of access, storage and transmission of system information.

Authorized users must immediately report any lost or stolen equipment, known or suspected security incidents or breaches, known or suspected policy violations, or suspicious activity in accordance with established procedures. Known or suspected security incidents involve the actual or potential loss of control or compromise, whether intentional or unintentional, of sensitive information maintained by or in possession of MNsure, or information processed by contractors and third parties on behalf of MNsure.

Authorized users shall not disclose or disseminate personally identifiable information except as authorized by law and consistent with assigned duties or with the consent of the subject of the data, where applicable.

There are several activities you can do through MNsure, and we collect different information for each of the different reasons you may interact with MNsure. MNsure's privacy warnings (also called Tennessen Warnings) are designed to provide you with information about how your private data may be used and shared in proximity to when that data is being collected. For example, as part of evaluating your eligibility for purchasing coverage through MNsure, we collect information including your name, address, citizenship status, residence, household members (if purchasing coverage for household members), contact information, Social Security number, and other private data. If you are seeking financial assistance to pay for insurance coverage, we also collect income information. These privacy warnings located through the online application will notify you of how the data will be used before collection and enable you to make an informed decision about whether or not to provide data about yourself or your household members to MNsure. The MNsure privacy warnings in the online application are consolidated and available for downloading and printing. Please note that not every notice will necessarily apply to your activities on MNsure.org.

We need to tell you apart from other people with the same or similar name, to decide what you are eligible for, and to help you enroll in health insurance programs. We also need to make reports, conduct audits and research, evaluate our programs, investigate fraud, and may need to collect money from the state or federal government for the services we provide.

We need your Social Security number to tell you apart from other people, to prevent duplication of state and federal benefits, and to verify income, resources or other information that may affect your eligibility and benefits. This information is voluntary, but you will not be able to receive an eligibility determination without it. You do not have to give us a Social Security number for persons in your home who are not applying for coverage or if you have religious objections. If you are permanently living in the U.S. without permission or approval from the U.S. Citizenship and Immigration Services, you do not need to provide your Social Security number, but you may not be eligible to enroll in benefits or plans offered through MNsure. Immigration information you give to us is used to see if you are eligible to get coverage. Pub. Law 111-148, Section 1312(f)(3). We only share it when the law allows it or requires it, and this includes verification against state and federal agencies such as the Department of Homeland Security, the Internal Revenue Service and the Social Security Administration. Pub. Law 111-148, Section 1411(b)(2). You do not have to give us immigration information about yourself if you are helping someone else apply or about anyone in your household who is not applying for coverage.

We ask for income information to determine your eligibility for financial assistance, and we verify this income information against state and federal sources including the IRS and SSA. You are not required to provide income information. Income information is necessary in order to receive financial assistance, but you can proceed with purchasing a plan without it. If you apply for financial assistance, we may ask for more information to verify your income and eligibility. We do not share income information outside of the eligibility process except as authorized by law. It may be shared with state and local government entities to determine eligibility for other assistance programs, with our own staff to provide customer service, as part of the appeals process if you are challenging an eligibility determination, or with state and federal revenue agencies to reconcile tax credits. You are solely responsible for any tax consequences that result from your report of income or acceptance of subsidies and tax credits.

When you sign up for text alerts we will send you important information about MNsure, including updates to our website, enrollment opportunities, news and other alerts. Your phone number you use to sign up for text alerts is private information pursuant to Minnesota Statutes, section 13.356 and will only be used by MNsure and GovDelivery to send you notifications about MNsure.

Messaging and data rates may apply. Refer to your wireless plan for more details.

To unsubscribe from all text alerts, text MNSURE STOP to 468311.

You do not have to give us your personal information. Without the information, we may not be able to help you. If you give us incorrect information on purpose, you can be investigated and charged with fraud.

We will only share information about you as needed and as allowed or required by law. We may share your information with agencies or persons who need the information to do their jobs, such as MNsure employees, investigators and auditors, community assistance partners you are working with, law enforcement officials, other state, federal and local governmental agencies, your health care insurer, agency, managed care organization or others who pay for your care, and anyone else authorized by law to receive the information. Please see the applicable privacy warnings for specific information regarding with whom your data may be shared.

Information provided in an application for coverage through MNsure will be retained for ten years, as required by federal law. Other information you provide will be retained as required by the MNsure records retention schedule.

You and people you have given informed consent to may inspect and copy public and private information we have about you. This is called a data practices request. If you request data held by MNsure, you may view and inspect it at no charge, or if you request copies, you may have to pay copy costs as outlined below.

If you believe the public or private information we have about you is not accurate or complete, please send your concerns in writing along with an explanation of the information you do not agree with to the MNsure Privacy and Security Manager. Within 30 days, MNsure will either (1) correct the data found to be inaccurate or incomplete and attempt to notify past recipients of inaccurate or incomplete data; or (2) notify you that MNsure believes the data to be correct. If there is a request to disclose data in dispute, MNsure will attach your statement of disagreement to the disclosed data. You can appeal MNsure's determination to the Commissioner of Administration according to Minnesota Statutes, section 13.04, subdivision 4.

You also have the right to see a record of the people or organizations with which we have shared your information. You must ask for a copy of this record in writing to our Privacy and Security Manager.

As a parent, you have the right to look at and get copies of public and private data about your minor children (under the age of 18). As a legally appointed guardian, you have the right to look at and get copies of public and private data about an individual for whom you are the appointed guardian.

Minors have the right to ask MNsure not to give data about them to their parent or guardian. We may ask you to put your request in writing and to include the reasons that we should deny your parents access to the data. We will make the final decision about your request based on your best interests.

The MNsure website provides a large variety of public information about MNsure, its contracts and funding, and commonly asked questions related to enrolling in health insurance coverage through MNsure. You may request to inspect or obtain copies of additional data held by MNsure pursuant to the Minnesota Government Data Practices Act (Minnesota Statutes, Chapter 13). Your request should be in writing using this data practices request form (PDF) and submitted to datarequests@mnsure.org or:

MNsure Privacy and Security Manager
81 East Seventh Street, Suite 300
St. Paul, MN 55101

You may have to pay for copies of information that you request. MNsure may charge for time spent searching and retrieving when the request is by someone other than the subject of the data. Searching and retrieving is time spent identifying files, databases, or other storage devices (paper or electronic) to locate data or to determine whether data exist to respond to a request, and retrieving the relevant data. There is no charge to view or inspect data.

(1) Requests for paper copies are charged at $.25 per page for requests involving fewer than 100 pages. A two-sided paper copy counts as two copies.

(2) For data requests involving more than 100 pages or requests for electronic data, MNsure may charge the actual costs. Actual costs may include employee time (including time for searching and retrieving data and making copies), mailing costs, and costs for materials (paper, CDs, DVDs). There is no charge for separating private data from public data, and there is no requirement to create summary data from existing public data. For calculation of staff time costs in responding to the request, MNsure uses the following rates:

• Administrative staff: $15.88 per hour
• Professional staff: $24.59 per hour
• Technical staff: $32.42 per hour
• Managerial staff: $34.21 per hour

​(3) MNsure does not charge for viewing or inspecting public records or private records by the data subject, searching and retrieving costs when the requestor is the data subject, or when providing data to another government agency or for law enforcement purposes. A MNsure participant who requests copies of his or her own eligibility or enrollment information for purposes of pursuing an appeal should work with the MNsure Appeals Office. MNsure has discretion to waive copy costs.

If you are the subject of the data requesting data about yourself, MNsure will respond as soon as possible, but no later than 10 business days after your request. For public data requests, MNsure generally responds to requests in the order received and within a reasonable time depending on the need for staff time to search and retrieve responsive public information as well as the size of the request.

We must protect the privacy of your private and confidential information according to the terms of this notice and under state and federal law. We may not use your information for reasons other than what is authorized by law and what is listed on this form. We will put changes to our privacy rules on our website at www.mnsure.org.

You may complain if you believe your privacy rights have been violated. You cannot be denied service or treated badly because you have made a complaint. If you believe that your medical privacy was violated by your doctor or clinic, a health insurer, a health plan, or a pharmacy, you may send a written complaint either to the county agency, the organization, or to the federal civil rights office at: U.S. Department of Health and Human Services, Office for Civil Rights, Region V, 233 N. Michigan Avenue, Suite 240, Chicago, IL 60601. If you think that MNsure has violated your privacy rights related to health information, you may send a written complaint to the U.S. Department of Health and Human Services at the address above or to: MNsure Privacy and Security Manager, 81 Seventh Street East, St. Paul, MN 55101-2211.