A “Need to Renew” notice was mailed to households where a member was eligible to enroll in a QHP in 2025 but is now projected to be eligible for Medical Assistance or MinnesotaCare for 2026. The consumer needed to review the information included in the notice, complete the form and return it to the address on the notice within 30 days. Most notices were mailed in October. Consumers who do not respond to the notice as directed will lose their QHP eligibility for 2026. If they are enrolled in a QHP through MNsure, their coverage will end on December 31.

If a consumer responded to the notice and their updated eligibility for 2026 is for QHP:

• If they were enrolled in coverage through MNsure in 2025, they must select a QHP on or before December 31 using the “Loss of MEC” special enrollment period for a January 1 effective date.
• If they were not enrolled in coverage through MNsure in 2025 and need coverage for 2026, they should select a QHP during open enrollment. Normal open enrollment coverage effective dates will apply unless they have a qualifying life event.

If the consumer responded to the notice but there has been a delay in processing:

• If they are determined eligible for a QHP for 2026, they should contact MNsure as soon as possible. The consumer may still qualify for a January 1 coverage start date, but the case will need individual review.

If the consumer has not responded to the notice:

• If all members of the household are QHP-eligible in 2025, they can contact MNsure to have their case closed and submit a new application for 2026 coverage.
  • If they were enrolled in coverage through MNsure, they must select a QHP on or before December 31 using the “Loss of MEC” special enrollment period for a January 1 effective date.
  • If they were not enrolled in coverage through MNsure in 2025 and need coverage for 2026, they should select a QHP during open enrollment. Normal open enrollment coverage effective dates will apply unless they have a qualifying life event.
• If any members of the household are eligible for a public program, they will need to respond to the notice to complete the process. If any members of the household are QHP eligible once eligibility has been updated for 2026, they should contact MNsure to learn about their enrollment options.