Phase One (households with income at or below 400% FPL) complete: As of May 6, households at or below 400% of the federal poverty level (FPL) who applied through MNsure requesting financial assistance have had their eligibility updated to reflect the increased advanced premium tax credit (APTC) amount.;

Phase Two (households with income over 400% FPL) complete: As of June 10, households over 400% FPL who applied through MNsure requesting financial assistance have had their eligibility updated to reflect new eligibility for APTC.

Key takeaways:

• For households with income over 400% FPL, MNsure has applied any new APTC to enrolled consumer accounts effective for July coverage for all eligible households. Some consumers may not see the new APTC applied until their August invoice.
• Consumers newly eligible for APTC will receive a /assets/APTC-redetermination-notice-ARP-june2021_tcm34-484429.pdfnotice in the mail explaining that their eligibility has been updated. This is a manual notice so it will not be viewable in the consumer’s online account.
• Consumers who do not want APTC applied to their premium must log in to their account to make changes.
• Consumers who have applied but are not enrolled have until July 16, 2021 to use the COVID-19 special enrollment period (SEP) to enroll in coverage. This SEP is for any Minnesotan who is uninsured or who is not currently enrolled in a QHP through MNsure. Consumers who submit a new online application will see their eligibility for the new and increased tax credits.
• A consumer directly enrolled with BluePlus, HealthPartners, Medica or Quartz can use the COVID-19 SEP to enroll through MNsure and if eligible, will qualify for tax credits for the months they have coverage through MNsure. Carriers are offering additional support for their off-exchange enrollees to move on-exchange, by way of recognizing previously attained amounts towards deductibles and out-of-pocket max accumulators.
• All consumers shopping for plans can now use MNsure’s plan comparison tool to get an estimate of their eligibility for financial help, including households with income over 400% FPL.

Phase Three: MNsure anticipates rolling out a third phase of ARP implementation this summer which would provide an additional tax credit and cost-sharing benefit for eligible consumers who receive at least one week of unemployment insurance benefits in 2021. Watch weekly communications for additional information.