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Consumer Protections

All plans offered in the MNsure marketplace include the following consumer protections:

  • No discrimination based on pre-existing conditions or gender
  • No annual dollar limit on coverage
  • No lifetime limit on coverage
  • A cap on out-of-pocket costs
  • Allows young adults to stay on their parent's health insurance plan until age 26, unless they have access to coverage through their employer
  • Requires that 80-85 cents of every dollar you pay for health insurance is spent on delivering or improving health care-or you get a refund from your insurance company
  • Provides a standard, plain language summary of your plan called a summary of benefits and coverage

In addition to the above consumer protections, all plans offered on MNsure include these essential health benefits.

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