No. MNsure is Minnesota's health insurance marketplace.
MNsure.org is where individuals and families can shop, compare and choose health insurance coverage that meets their needs. MNsure is the only place you can qualify for financial help that can lower the cost of your monthly insurance premium.
Any Minnesota resident who is a US citizen, US resident, or lawfully present can purchase health insurance through MNsure. Read more about the requirements.
Yes, the requirement to maintain health coverage is in effect until January 1, 2019. Up until this date, all U.S. citizens, legal residents and lawfully present individuals are required to obtain health insurance coverage, qualify for an exemption, or pay a federal tax penalty. Many will be covered by an employer plan, some will qualify for a public health program and others will purchase a private plan.
The individual mandate is still in effect for 2018. This means most individuals, including your children and anyone else you claim as a dependent on your federal taxes must have health coverage in 2018 or pay a penalty. This penalty is due when you file your federal tax return by the filing deadline.
Starting in 2019, there is no longer a tax penalty for failing to maintain health coverage.
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.
Your eligibility (if you qualify) for Medical Assistance and MinnesotaCare is determined by the Minnesota Eligibility Technology System (METS), which is accessed through MNsure, but the Department of Human Services (DHS) manages these programs.
Here's how it works:
MNsure acts as a single front door for Minnesotans to apply for health insurance, including public health programs managed by the state (DHS) and private health insurance managed by individual insurance companies.
If you apply through MNsure for health insurance with financial help, METS determines whether you qualify for Medical Assistance or MinnesotaCare. If you qualify for one of these programs, your application and enrollment is managed by the Department of Human Services, including renewal, billing and support services.
For help with Medical Assistance or MinnesotaCare contact the Department of Human Services. See also frequently asked questions about Medical Assistance and MinnesotaCare and information for new members.
Open enrollment is a set time period each year when consumers can enroll in private health plans offered through the MNsure marketplace. During this time period consumers can also change or renew their current coverage in a private health plan. Annual open enrollment is usually in the fall and early winter months.
Consumers who experience a life-changing event (having a baby, getting married, turning 26) may qualify for a special enrollment period which would allow them to enroll outside the annual open enrollment period.
Year-round enrollment is open to:
Minnesotans can enroll in health insurance coverage outside of the MNsure marketplace, but doing this prevents access to financial help such as tax credits, low-cost or no-cost coverage. Only by enrolling through MNsure can consumers get access to financial help.
Most Americans are required to have health insurance under the Affordable Care Act. Learn about exemptions here.
If you are not exempt and you choose to remain uninsured, you could face a tax penalty. Learn about the penalty here.
Yes. It is protected by state and federal laws, rules and regulations related to storage, collection, use and dissemination of private or confidential information. Beyond the necessity to comply with applicable laws, MNsure takes the obligation to keep personal information private very seriously. All privacy requirements have been entered into the IT system, and security measures are an integral part of the business operations culture. Our personnel are able to access only the information that is necessary for them to perform their job.
Insurance costs are set by the individual health insurance companies and depend on a variety of factors including your estimated income for the coverage year, your ZIP code, your household size and your age.
Yes. Many agents and brokers across the state partner with MNsure and can help you choose the best health insurance plan for your needs. In addition, many community organizations across the state have navigators who can help you with filling out an application. Find a MNsure-certified assister.
Absolutely. No insurer can deny you or charge you more based on health status, either through the MNsure marketplace or the general market. Read about the consumer protections under the Affordable Care Act.
Yes. Employees can enroll in a private health plan using MNsure and use their QSEHRA benefits toward premiums.
Your employer’s offer for a QSEHRA is considered affordable coverage that bars advanced premium tax credit (APTC) payments. However, in some situations, your employer’s contributions and the cost of your benchmark plan (second lowest cost silver plan or SLCSP) might be considered unaffordable, such that you could use both APTC and QSEHRA payments to help pay for your premiums. If you’re eligible for and apply both APTC and QSEHRA payments toward your premium, you must reduce your maximum APTC applied to your plan by your employer’s monthly contribution (or by 1/12 the annual employer contribution) to avoid additional tax liability.
Find free local help from a MNsure-certified assister. They can guide you through each step of your application and enrollment.
You can also call the MNsure Contact Center at 651-539-2099 or 855-366-7873.