American Rescue Plan
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Medical Assistance and MinnesotaCare
Most Minnesotans qualify for financial help. You may qualify for tax credits or a low-cost or free plan.
To get a quick estimate for the financial help for which you may qualify, see these income guidelines or our plan comparison tool.
You must submit an application WITH financial help to get an official eligibility determination for tax credits, cost-sharing reductions, or Medical Assistance or MinnesotaCare.No. MNsure remains the only place where consumers can qualify for financial help either through a federal tax credit or cost-sharing reductions or the MinnesotaCare and Medical Assistance programs to help pay the cost for their health insurance plan.
To get a quick estimate for the financial help for which you may qualify, see the income guidelines or our estimator tool.
You must submit an application WITH financial help to get an official eligibility determination for tax credits, cost-sharing reductions, or Medical Assistance or MinnesotaCare.
Only on MNsure can you compare plans from multiple health insurance companies all in one place. With our plan comparison tool, you can review costs associated with a particular plan, such as co-pays, deductibles and out-of-pocket maximums.
It's your choice. We anticipate that most people will choose to receive the tax credit monthly. The monthly option works this way:
Or, you can choose to get all of the premium tax credit when you file your federal tax return for the year.
Learn more about claiming or reporting tax credits.
No.
A tax credit lowers your monthly private health plan insurance premium costs. MNsure will apply the full amount available to you towards the cost of your premium unless you have indicated otherwise. The cost-sharing reductions are a discount that lowers the amount you have to pay out of pocket for deductibles, co-insurance and co-payments.
Your eligibility for a tax credit or cost-sharing reductions is based on the most recent information that you reported to MNsure. Be sure to report changes and submit any requested proof as soon as possible. If you submit information that is not truthful or accurate, your private plan coverage may be terminated and you may have to repay any payments that you are not entitled to, including advance payment of premium tax credits.
In March 2021, the American Rescue Plan increased the amount of tax credits to MNsure enrollees already receiving them, and expanded eligibility to many Minnesotans who were previously ineligible for tax credits. See frequently asked questions about the American Rescue Plan for more information.
We have an entire section devoted to frequently asked questions about IRS Form 1095-A.
Yes, you can choose to apply all or part of any estimated credit, if eligible, to your premiums to lower what you pay monthly. Or, you can choose to get all of the premium tax credit when you file your tax return for the year. Either way, you use information from your IRS Form 1095-A to complete IRS Form 8962 when you file your federal tax return. Read more about claiming or reporting premium tax credits.
If advanced premium tax credit (APTC) payments were applied to your health coverage, then you will file your federal taxes for that coverage year using IRS Form 8962. Form 8962 will tell the IRS how much premium assistance was paid to your health plan on your behalf during the tax year. The IRS will compare the amount of advanced credit that was already applied to your coverage to what you qualify for (based on the income and household size you claim on your tax return).
For example:
If you received a premium tax credit in a past year and have not filed a federal tax return for that year, you will no longer be eligible for premium tax credits or cost-sharing reductions. You should file a tax return as soon as possible, including a completed IRS Form 8962.
You should have received an IRS Form 1095-A from MNsure to help fill out Form 8962 and file your federal income tax return. If you did not receive a copy of this form, call the MNsure Contact Center. After you file your tax return, call the MNsure Contact Center to report that information.
Yes. When you complete your application, you must agree that you intend to file a federal tax return in order to have an advanced premium tax credit (APTC) or cost-sharing reductions (CSR) applied to your private health plan. You must file a federal income tax return, even if you're usually not required to file. Your APTC is estimated based on your projected household income and family composition for the year and other information. When you file your tax return, the Internal Revenue Service determines the final amount of tax credit you qualify for based on the actual income you received during the year. Filing a tax return for any year in which you received APTC also ensures that you have the opportunity to get APTC or CSR in future years.
Find more information about your rights and responsibilities.
No.
Indicate on your MNsure application your tax filer status, include any tax dependents, and select “Never Married” as your marital status.
If you're living apart from your spouse and are a victim of domestic abuse, domestic violence, or spousal abandonment and want to enroll in your own health plan separate from your abuser or abandoner, you can submit an application for health coverage through MNsure. You will need to certify on your IRS Form 8962 when you file your taxes that you are a victim of domestic abuse or spousal abandonment.
Follow the instructions on the Report Income Change page.
You may be eligible for low- or no-cost coverage, or increased financial help toward paying for your current plan.
Right away.
Follow the instructions on the Report Income Change page.
You may be eligible for low- or no-cost coverage, or increased financial help toward paying for your current plan.
You may qualify for a special enrollment period (SEP) to enroll in coverage through MNsure if you lost health coverage in the past 60 days OR you expect to lose coverage in the next 60 days, through:
To avoid a gap in coverage you can apply for this SEP up to 60 days before your coverage ends.
You can also apply for this SEP up to 60 days after your employer coverage ends.
You may qualify for increased financial help in paying for your current plan. Or, you could be eligible for low-cost or no-cost health coverage through Medical Assistance or MinnesotaCare.
Call the MNsure Contact Center or work with a MNsure-certified assister to report this income change right away.
You may qualify for no- or low-cost health coverage through Medical Assistance or MinnesotaCare. These programs provide comprehensive health coverage and enrollment in is open year-round.
You can get an estimate of your eligibility from the income guidelines or our estimator tool. You will need to complete an application to determine your actual eligibility.
You may qualify for no- or low-cost health coverage through Medical Assistance or MinnesotaCare. These programs provide comprehensive health coverage and enrollment in is open year-round.
You can get an estimate of your eligibility from the income guidelines or our estimator tool. You will need to complete an application to determine your actual eligibility.
Before enrolling in COBRA, review your coverage options, MNsure can provide affordable options to maintain coverage. To avoid a gap in coverage, you can apply for a special enrollment period through MNsure up to 60 days before your COBRA coverage ends.
Important: If you do enroll in COBRA, and voluntarily decide to end your COBRA coverage early, this would not qualify for a special enrollment period to enroll through MNsure.
You may qualify for a special enrollment period (SEP) to enroll in health insurance through MNsure if your employer stops subsidizing your COBRA premium and you must now pay the full cost of the premium.
To avoid a gap in coverage you can apply for this SEP up to 60 days before or after your employer stops subsidizing the COBRA premium.
See affordability worksheets and additional information about the types of HRAs that can affect tax credits through MNsure.
See more FAQ about renewing coverage.
