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5. Employer-Sponsored Insurance

Select the household members who have been offered or have access to employer-sponsored insurance (ESI), even if they are not enrolled in it. Access to coverage could be through the person's own job or through another person's job, such as a parent or spouse.

What does "access to" employer-sponsored coverage mean? 

"Access" means coverage is available to the person, even if the person declines the coverage.

  • If a person declined or waived an offer of employer-sponsored coverage for the current plan year, the person DOES have access to employer-sponsored coverage. Answer "Yes" to this question. 
  • If a person declined or waived an offer of employer-sponsored coverage for a prior plan year and there is no future option to enroll in an employer plan, the person DOES NOT have access to employer-sponsored coverage. Answer "No" to this question.

Fill in the required fields for those household members who do have access to employer-sponsored insurance. The information provided here will be used to determine if the employer-sponsored coverage qualifies as “minimum essential coverage” (MEC), which may influence eligibility determination. Read more about MEC and ESI.

Further on in this section, the application will ask, “Does this member have health insurance through an employer?” This question is asking if they are actually enrolled in an employer-sponsored plan. Select “Yes” if a household member has health insurance through an employer. If yes, you’ll need to enter information about the employer, including the employer identification number (EIN), address, and employer-sponsored coverage. The EIN should be entered as a 9-digit number without dashes.

"Does the employer offer a health plan that meets the minimum value standard?" 

A health plan meets the minimum value standard if both of these apply:

  • It's designed to pay at least 60% of the total cost of medical services for a standard population
  • Its benefits include substantial coverage of physician and inpatient hospital services

To find out if your job-based plan meets the minimum value standard, ask your employer.

If the employer's plan meets this standard and is considered "affordable," you won't be eligible for a premium tax credit if you buy a private insurance plan through MNsure

Additional Information for all Applicants 

Enter additional information about your household, such as whether someone is disabled or blind. This helps determine if you qualify for assistance based on things other than income. 

You must answer "Yes" or "No" to each question.

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