skip to content
Primary navigation

Start Here - What's On this Application

Application WITH Financial Help

  • Use this application to apply for anyone in your family. 
  • Apply even if you or your child already has health coverage. You could be eligible for lower-cost or free coverage. 
  • Families that include immigrants can apply. You can apply for your child even if you are not eligible for coverage. Applying will not affect your immigration status or chances of becoming a permanent resident or citizen.

This application scans your income and other information to determine what coverage you qualify for and if you can get any help paying for it. After you submit this application, you’ll see a screen with the results, also known as the “eligibility determination”. 

About Navigating the Online Application

  • Your progress through the online application is indicated by a menu on the left side of the screen. You can go back to previous sections by using this menu. 
  • Some sections have a summary screen where you can review and edit some of the information you entered for that section. Review these sections carefully, after you electronically sign your application, you will not be able to make changes to it online. 
  • If you realize you need to make a correction after you have signed your application, you will need to contact the MNsure Contact Center, the Minnesota Department of Human services or your county or tribal agency depending on which program you are eligible for.
  • Required fields on the application are marked with an asterisk (*). Some information, such as race and ethnicity, are optional and for statistical information only.

People to Include (Your "Household")

You’ll need to tell us about all the family members that live with you. If you file taxes, we need to know about everyone on your tax return.

DO include: 
  • Yourself 
  • Your spouse
  • Your children under 19 that live with you
  • Your spouse’s children under 19 that live with you
  • Your unmarried partner, if you have children together
  • Anyone you include on your tax return, even if that person does not live with you
  • Anyone else under 19 that you take care of and that lives with you Include the people above, even if they do not need health care coverage. 

DO NOT include:

  • Your children 19 years old or older that you do not expect to claim as tax dependents
  • Your spouse’s children 19 years old or older that you do not expect to claim as tax dependents
  • Your unmarried partner, if you do not have any children together and do not file taxes together
  • Your unmarried partner’s children, if they are not related to you and you do not expect to claim them as tax dependents
  • Other people that live with you but are not your spouse or children and that you do not file taxes with (roommates, for example)
  • Your parents, if you are 19 years old or older, your parents do not expect to claim you as a tax dependent, and you do not expect to claim them as tax dependents 

These people may file a separate application for health care coverage. The amount of assistance or type of program you qualify for depends on the number of people in your family and their incomes. This information helps us make sure everyone gets the best coverage he or she can.

Income to Report

MNsure estimates your household income to figure how much financial assistance you may get. The MNsure application will ask questions about household income for the year you want coverage, not last year’s income. You may use last year’s income to estimate income for the year you are seeking coverage, but you must make a best estimate on your expected household income to get the correct amount of financial help.

Depending on the income source, you may have an option to enter your income as monthly or yearly.

What if my household income changes during the year? 

Report income and household changes as soon as possible. If you don’t, you could end up with the wrong amount of financial assistance or even the wrong health insurance plan. You will need to contact the MNsure Contact Center, the Minnesota Department of Human services or your county or tribal agency depending on which program you are eligible for. More about updating your income during the year.

Whose Income to Include

Most households include the tax filer, their spouse if they have one, and their tax dependents, including those who don’t need coverage. MNsure uses estimated income of all household members who are required to file a tax return, even if they are not applying for coverage.

Why do I need to include people in my household who don’t need insurance? 

MNsure marketplace savings are based on income for all household members, not just the ones who need insurance. 

If anyone in your household has coverage through a job-based plan, a plan they bought themselves, a public program like Medical Assistance (MA) or Medicare, or another source, include them and their income on your application. 

When you apply you’ll say which household members need coverage.

How Is Income Counted? 

MNsure uses “modified adjusted gross income” (MAGI) to determine the programs and savings you are eligible for. For most people, it’s identical or very close to adjusted gross income (AGI). MAGI is not a line on your federal tax return.

Immigration Status and Social Security Numbers

You do not need to provide immigration status or a Social Security number (SSN) for people that are not applying for health care coverage. Providing an SSN for all household members can speed up the application process. We use SSNs to check income and other information to see who is eligible for help with health coverage costs. 

If someone wants help getting an SSN, call 800-772-1213 or visit www.socialsecurity.gov. If you are a TTY user, call 800-325-0778, or use your preferred relay service. We will keep all information you provide private and secure as required by law. We will use personal information only to check whether you are eligible for health coverage.

back to top