MNsure is the official health insurance marketplace for Minnesota residents. It's where you can find the right coverage for you and your family, and information about the special protections and benefits provided for American Indians by the Affordable Care Act.
Even if you receive services from your Indian Health Service (IHS), Tribal or Urban Indian health care facility, here's what MNsure can provide for you:
- Health insurance to help cover the costs you pay for services received outside of your IHS, Tribal or Urban Indian health care facility; things like a hospital stay or specialty care.
- One-stop shopping to compare and enroll in private insurance plans or public programs such as Medical Assistance (MA) and MinnesotaCare (MCRE).
- Clear descriptions of all plans with side-by-side comparisons so you can choose the one that is best for you.
- Quality coverage, including doctor visits, hospital stays, maternity care, mental health services, emergency room care, prescriptions, dental care and more.
- More choices of doctors and clinics for your health care.
- Help to cover the cost of premiums if you have any.
- Consistent care so you can continue to get care from your IHS, Tribal or Urban Indian health care facility.
Verification of American Indian Status
Enrolled members of U.S. federally recognized tribes must be able to verify their enrollment (Source: 45 CFR section 155.350 (c)). Enrolled members can provide MNsure with a copy of one of the following documents to verify their tribal enrollment.
- Tribal enrollment card
- Tribal enrollment or membership document such as a certified letter from the tribe or Bureau or Indian Affairs (BIA) that must be on official letterhead
- Certificate of Degree of Indian Blood (CDIB) issued by the BIA or tribe if the CDIB includes tribal enrollment information.
- Documents issued by an Alaska Native village/tribe or an Alaska Native Corporation Settlement Act (ANCSA) regional or village corporation.
American Indian Special Enrollment Period Includes Non-Tribal Household Members
Members of federally recognized American Indian tribes may enroll through MNsure or change plans one time per month, year-round, including outside the annual open enrollment period. MNsure expanded this monthly special enrollment period to permit household members who are not tribal members, and who apply for coverage with the qualifying tribal member, to enroll in a qualified health plan or dental plan, or change plans.
Household members who are not enrolled members of a federally recognized tribe are not eligible for this special enrollment period on their own, and may only enroll in or change plans under this special enrollment period in a month in which the qualifying tribal member enrolls in or changes plans.
As with other special enrollment periods, Minnesotans must complete an application and contact MNsure at 651-539-2099 or 855-366-7873 to determine whether they qualify and have MNsure process their enrollment.
Get Help Paying for Health Insurance
Many individuals or families, even those who are working, can get financial help to purchase a plan.
Financial help is available based on household size and maximum yearly income.
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There are three ways cost sharing may be reduced for American Indians who enroll in a qualified health plan through MNsure.
Some Minnesota tribes are supporting qualifying members by paying their insurance premiums. Contact your tribal clinic for more information.
American Indians enrolled in a U.S. federally recognized tribe and non-enrolled American Indians who are beneficiaries of I/T/U services may qualify for a health coverage exemption. You can claim this exemption when you file your federal income tax return.
Information for claiming an individual exemption through the IRS can be found on the IRS website.