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Is Your Employer Insurance Affordable?

A recent change in federal law fixed the “family glitch” starting in 2023. This means family members of Minnesotans with offers of employer-sponsored health insurance determined to be unaffordable may have new opportunities to access subsidized coverage through MNsure, even if they weren’t eligible before.

IMPORTANT: If MNsure sent you a notice about the new rule, follow the steps in the notice. You do NOT need to use Employer Insurance Affordability Estimator below to determine your eligibility under this new rule.

What’s Changed

If your family members’ access to your employer-sponsored insurance has been determined unaffordable, your family may have new options for low-cost subsidized health insurance through MNsure starting in 2023.

Find Out If You Could Qualify

Use the Employer Insurance Affordability Estimator to help determine if your employer-sponsored insurance for yourself and/or your family is considered unaffordable.

How To Use the Employer Insurance Affordability Estimator

  1. Enter the information required in the form.
  2. If you are the only person in your household you can submit an application without contacting MNsure. Get started.
  3. If there are other people in your household and the estimator shows that their access to your employer-sponsored insurance coverage may be unaffordable, they may be eligible for low-cost subsidized health insurance through MNsure. Call the MNsure Contact Center for more information about how to get an official eligibility determination.

Affordability estimator

Understanding Your Private Insurance Options

Need help deciding what plan is best for you? MNsure has a network of certified, expert health insurance brokers who 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.

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