Renewal Notices for Private Coverage through MNsure
MNsure mails renewal notices in the fall to consumers who applied for health insurance through MNsure and were determined eligible to purchase a private health plan for 2018.
Even if you did not enroll in 2018 coverage, you will get a renewal notice if you applied through MNsure and were qualified to enroll in a private health plan with or without financial help. If your renewal notice shows you or members of your household are eligible to purchase a private health plan for 2019, you can shop online and enroll in a plan for 2019 coverage by logging in to your MNsure account on or after November 1.
Please read your renewal notice carefully. Regardless of whether you are enrolled in 2018 coverage, review the household information included in your notice and be sure the information is up to date. Outdated or incorrect information could impact your eligibility for financial help in 2019 so it is important to report changes as soon as possible.
Under the Affordable Care Act (ACA), MNsure is required to notify employers when an employee enrolls in a qualified health plan (private insurance) through MNsure and is determined eligible for financial assistance to help pay for health insurance purchased through MNsure. This financial assistance is known as an advanced premium tax credit (APTC) or cost sharing reductions (CSR).
MNsure sends the employer notice when it determines an employee is eligible for APTC or CSR because the employee reported that his or her employer either:
Did not offer health care coverage; or
Did offer health care coverage, but it did not provide minimum value or was unaffordable to the employee.
If the employee listed on the notice enrolled in a qualified health plan and other conditions are met, then the employer may have to pay an employer shared responsibility payment to the Department of the Treasury. (26 U.S.C. § 4980H). The IRS determines whether an employer is liable for a tax penalty under the employer shared responsibility provisions. MNsure does not determine the employment status of the employee or liability of the employer.
Though employers of any size can receive an employer notice, there are many situations in which an employee receives APTC or CSR and the employer is not liable for the tax penalty. For example, generally only large employers with at least 50 full-time or full-time equivalent employees might have to pay an employer shared responsibility payment for any month that at least one full-time employee enrolled in coverage through a health insurance marketplace and received APTC or CSR. The IRS provides information about the ACA provisions for employers, requirements for applicable large employers and the employer shared responsibility provision.
Employers who receive this notice have the right to appeal the employee's APTC eligibility determination.
MNsure mails the employer notice to the employer address provided by the employee. If an employer receives the notice at a location other than its legal headquarters, it is the employer's responsibility to forward the notice to the contact responsible for compliance with employer shared responsibility.
View Notices Online
You can view most* of your notices through your account by selecting "Notifications” in the left sidebar.
*Plan enrollment confirmation notices cannot be viewed online through your MNsure account. We recommend you keep the paper copy that we mail to you for your records.