Work with your employer to have the information you'll need to answer ESI questions on the MNsure application with financial help. Using the form Appendix A: Health Coverage from Jobs (PDF) will help you gather the information you will need to complete ESI questions on the application.
You should always accurately report access to ESI, even if you may be eligible for Medical Assistance.
A change to a health care rule makes more families eligible for lower-cost health insurance.
This change fixed the “family glitch” – a situation where the cost of family coverage was unaffordable for the household, but the Affordable Care Act considered it affordable, keeping the family from accessing tax credits to lower the cost of their insurance. Because of the change family members of Minnesotans with offers of family ESI may now qualify for an advanced premium tax credit through MNsure if their access to family ESI is considered unaffordable using the cost of family coverage.
To find out if your ESI may be considered unaffordable, use the Employer Insurance Affordability Estimator.
Note: A special enrollment period 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.