skip to content
Primary navigation

Is Your Employer Insurance Affordable?

A change in federal law fixed the “family glitch.” This means family members of Minnesotans with offers of employer-sponsored health insurance determined unaffordable may have new opportunities to access subsidized coverage through MNsure, even if they weren’t eligible before.

The enrollment period to sign up for 2023 private insurance ended January 15. To enroll in private insurance now, you will need to qualify for a special enrollment period (SEP) due to a qualifying life event.

Note: A SEP is open through October 31, 2023, to individuals currently enrolled in unaffordable family ESI that does not renew on January 1 of the calendar year.

You can use the estimator at the link below to see if you and/or your family might save on private insurance premiums through MNsure.

Find Out If You Could Qualify

Use the Employer Insurance Affordability Estimator to see if your employer-sponsored insurance for yourself and/or your family may be considered unaffordable.

IMPORTANT: To get an official determination on your eligibility for financial help you’ll need to apply through MNsure and select the application WITH financial help.

Employer Insurance Affordability Estimator

Understanding Your Private Insurance Options

Need help deciding what plan is best for you? MNsure-certified health insurance brokers can walk you through your options and help you enroll in a plan.

IMPORTANT: Do not disenroll or choose to not enroll in your employer-sponsored insurance while waiting to receive your official eligibility determination from MNsure. If you have questions about your options between employer-sponsored insurance or coverage through MNsure you can get free help from a MNsure-certified broker.

back to top