Health insurance covers some of your medical expenses if you are sick or injured. These services are generally referred to as non-preventive care. It also covers you when you are not sick and seeking care to prevent future health problems. These services are generally referred to as preventive care.
No Surprises Act
Starting in 2022, a new federal law, The No Surprises Act, will protect you from many types of "surprise" medical bills. Find more information at the following links:
- Ending Surprise Medical Bills from the Centers for Medicare and Medicaid Services
- Frequently asked questions from the Minnesota Department of Health
Free Preventive Care
All health insurance plans sold through MNsure must cover a set of preventive care services at no cost to you—these services are free if you use a provider in your health plan's network. Preventive care includes annual checkups, screenings (such as blood pressure and diabetes screenings, mammograms and colonoscopies), vaccinations and flu shots. Read more about preventive care on HealthCare.gov.
How much you pay for non-preventive health care services varies by plan.