Frequently Asked Questions about the American Rescue Plan

The expanded benefits lower health insurance premiums for plans purchased through MNsure:

• Most people already enrolled through MNsure will see savings.
• People enrolled through MNsure without premium tax credits may now be eligible.

The expanded benefits last through 2022. This could change if the U.S. Congress extends or makes the benefits permanent.

These new savings cannot be applied to stand-alone dental or catastrophic plans.

If you were getting a tax credit before the American Rescue Plan, the price of your monthly premiums will go down. You do not have to do anything to receive these additional savings. Your premiums will be automatically adjusted by your insurance company and they will send you an updated invoice.

You may now be eligible to receive a premium tax credit, which will lower the cost of your plan through MNsure. The American Rescue Plan removed the household income limit for tax credits in 2021 and 2022. 

You can get a quick estimate of potential savings with our plan comparison tool.

You may be eligible to receive a tax credit right now. You will need to reapply using the “WITH financial help” application. Call the MNsure Contact Center and we can help you with this process.

No, it has not changed. The affordability standard is still no more than 9.61% of your household income for tax year 2022.

You can apply through MNsure during the annual open enrollment period which runs November 1, 2021, through January 15, 2022, for the 2022 coverage year.

You can enroll through MNsure outside the annual open enrollment period if you experience a qualifying life event that makes you eligible for a special enrollment period. (If you have access to affordable insurance through your employer, you will not be eligible for tax credits.)

Before you make any changes to your current health insurance – and to make sure you don’t end up with a gap in coverage – contact your insurance company to understand your options first.

No, the amount of your tax credit does not change based on the metal level you select.