See what life events qualify for a special enrollment period (SEP), documents needed to apply, and when your coverage could start.
Examples of changes that do NOT qualify you for a SEP: Choosing to stop other health coverage; being terminated for not paying your premiums; finding out your doctor isn't covered through your plan.
The Department of Human Services has started requiring annual renewals to check eligibility for public health care programs again. A SEP is available to people who are no longer eligible for Medical Assistance or MinnesotaCare.
Gained or lost a dependent through adoption, foster care, a child support or other order.
For members of federally recognized tribes and non-tribal members of their households.
Gained a dependent through birth of a child.
Your eligibility changes for tax credits or cost-sharing reductions. Must be enrolled through MNsure in a qualified health plan.
Lose private health coverage you enrolled in through MNsure due to divorce, legal separation, or death.
Enrollment or non-enrollment due to agency error, mistake, misrepresentation or inaction.
Gain citizenship or lawfully present status making you newly eligible for a qualified health plan.
Employer ends COBRA premium subsidy.
Lost or will lose coverage through a job, age off a plan (turning 26), end of non-calendar-year plan.
Your household size changes because you got married.
Made a permanent move to Minnesota from another state, U.S. territory or outside the U.S.
New offer of an individual coverage HRA (ICHRA) or qualified small business HRA (QSEHRA) from an employer.
Enrolled in coverage outside of MNsure and income decrease makes you eligible for tax credits.
Released from serving a term in prison or jail.
Made a permanent move within Minnesota to a new county or ZIP code.
Includes AmeriCorps service, natural disaster, ineligible for Medical Assistance after final determination, or victim of domestic violence or spousal abandonment.
For individuals currently enrolled in unaffordable non-calendar-year family employer-sponsored insurance. Closes October 31, 2023.