No. MNsure is Minnesota's health insurance marketplace.
MNsure.org is where individuals, families and small businesses can shop, compare and choose health insurance coverage that meets their needs. MNsure is the only place you can qualify for financial help that can lower the cost of your monthly insurance premium.
Any Minnesota resident who is a US citizen, US resident, or lawfully present can purchase health insurance through MNsure. Small businesses with up to 50 employees can use MNsure.
Yes. All U.S. citizens, legal residents and lawfully present individuals are required to obtain health insurance coverage, qualify for an exemption, or pay a penalty. Many will be covered by an employer plan, some will qualify for health programs and others will purchase it themselves.
You will owe a tax penalty. See the penalties section for more information about the fine for not having coverage.
It's important to remember that even if you pay the penalty you still won't have any health insurance coverage, and are responsible for 100% of the cost of your medical care.
Your eligibility (if you qualify) for Medical Assistance and MinnesotaCare is determined by MNsure, but the Department of Human Services (DHS) manages these programs.
Here's how it works:
MNsure acts as a single front door for Minnesotans to apply for health insurance, including public health programs managed by the state (DHS) and private health insurance managed by individual insurance companies.
If you apply through MNsure for health insurance with financial assistance, the MNsure system determines whether you qualify for Medical Assistance or MinnesotaCare. If you qualify for one of these programs, your application and enrollment is managed by the Department of Human Services, including renewal, billing and support services.
For help with Medical Assistance or MinnesotaCare contact the Department of Human Services. See also frequently asked questions about Medical Assistance and MinnesotaCare and information for new members.
Open enrollment is a set time period each year when consumers can enroll in qualified health plans offered through the MNsure marketplace. During this time period consumers can also change or renew their current coverage in a qualified health plan. Annual open enrollment is usually in the fall and early winter months.
Consumers who experience a life-changing event (having a baby, getting married) may qualify for a special enrollment period which would allow them to enroll outside the annual open enrollment period.
Year-round enrollment is open to:
Minnesotans who enroll during the current open enrollment period will have coverage throughout 2017 as long as they pay their monthly premiums on time.
Minnesotans can enroll in health insurance coverage outside of the MNsure marketplace, but doing this prevents access to financial help such as tax credits, low-cost or no-cost coverage. Only by enrolling through MNsure can consumers get access to financial help.
Most Americans are required to have health insurance under the Affordable Care Act. Learn about exemptions here.
If you are not exempt and you choose to remain uninsured, you could face a tax penalty. Learn about the penalty here.
Yes. It is protected by state and federal laws, rules and regulations related to storage, collection, use and dissemination of private or confidential information. Beyond the necessity to comply with applicable laws, MNsure takes the obligation to keep personal information private very seriously. All privacy requirements have been entered into the IT system, and security measures are an integral part of the business operations culture. Our personnel are able to access only the information that is necessary for them to perform their job.
Insurance costs are set by the individual health insurance companies and depend on a variety of factors including your estimated income for the coverage year, your ZIP code, your household size and your age.
Yes. Many agents and brokers across the state are partnering with MNsure and are able to help you choose the best health insurance product for your needs. In addition, many community organizations across the state have navigators who can assist you with enrollment. Find a MNsure-certified assister.
Absolutely. No insurer can deny you or charge you more based on health status, either through the MNsure marketplace or the general market. See more about consumer protections through the Affordable Care Act here.
Find a MNsure assister (navigator, broker or agent) in your area for free, in-person assistance. They can guide you through each step of your application and enrollment.
You can also call the MNsure Contact Center at 1-855-366-7873 (I-855-3MNSURE).