You must select and pay for a plan by December 23 in order for your coverage to be effective on January 1, 2014. To ensure that your coverage is in effect on January 1, 2014, we strongly encourage you to pay for coverage online through MNsure. If you ask to receive an invoice from either MNsure or your health insurance company, we cannot guarantee that your insurance coverage will be effective on January 1, 2014. (This does not apply to Medical Assistance or MinnesotaCare.)
Fill out one application for your household. Include all members of your household in the application even if only some of them are applying for coverage. You need to include all members of your household to get the correct discount.
In general, your household includes people who are related to you and either live with you or you claim them as a dependent on your federal income taxes.
In general, you should enter any type of income that you report on your state and federal income taxes. The value of assets are not counted as income and are not included in determining eligibility for discounts.
You may not make changes to your application once you have electronically signed the application. If you save and exit before completing the application, you may return to your account and make changes to your application.
You may not change your health insurance plan once you have chosen a plan and payment method.
If you completed the application and were told you qualify for Medical Assistance or MinnesotaCare you do not need to do anything else. You will receive further information in the mail that will either confirm your coverage or describe if there are any additional things that you need to do.
After you pay your premium in full or request an insurance company to bill you, MNsure will send your enrollment information to your selected health insurance company.
Employers need to complete their application online by December 7 for January 1, 2014 coverage. If employers are unable to complete the online application, we will accept paper applications postmarked through December 9. Employers can obtain a paper application by sending us an email. Employees will make their plan selections via paper and these forms will be distributed to small employers that have completed applications. All employee enrollment paperwork MUST be returned to MNsure by December 23, 2013. Payment in full must be received by December 30, 2013 for January 1, 2014 coverage dates.
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If your family makes between 200-400% of the Federal Poverty Level ($47,100 - $94,200 for a family of 4), you may receive a tax credit to help pay for your premium. The amount of the tax credit is based in part on the premium for a standard plan in your area. In many counties, the standard plan premium is low enough that tax credits will not apply.