Most Minnesotans qualify for financial help. You may qualify for tax credits or a low-cost or free plan.
No. MNsure remains the only place where consumers can qualify for financial help either through a federal tax credit or cost-sharing reductions or the MinnesotaCare and Medical Assistance programs to help pay the cost for their health insurance plan.
You must submit an application WITH financial help to get an official eligibility determination for tax credits, cost-sharing reductions, or Medical Assistance or MinnesotaCare.
Only on MNsure can Minnesotans compare plans from multiple health insurance companies all in one place. Minnesotans who compare plans from different health insurance companies through MNsure are often able to find comparable plans at reduced prices, as well as see all costs associated with a particular plan, such as co-pays, deductibles and out-of-pocket maximums.
Yes, you can enroll during the annual open enrollment period. However, access to employer-sponsored insurance (ESI) can impact your eligibility for financial help depending upon what it costs for you and what your household income is. Read more about ESI.
You cannot drop coverage and choose a MNsure plan outside of the annual open enrollment period unless you qualify for a special enrollment period.
It's your choice. We anticipate that most people will choose to receive the tax credit monthly*. The monthly option works this way:
*Please note: MNsure is working on making changes in our systems that will make the enhanced tax credits through the American Rescue Plan available in advance, so the insurance company you enroll with can deduct them from your monthly premium if you choose. In the meantime, any tax credits you are eligible for but not able to collect in advance will be provided to you by way of your tax return. These enhanced benefits are retroactive to your first date of coverage through MNsure in 2021.
A tax credit lowers your monthly private health plan insurance premium costs. MNsure will apply the full amount available to you towards the cost of your premium unless you have indicated otherwise. The cost-sharing reductions are a discount that lowers the amount you have to pay out of pocket for deductibles, co-insurance and co-payments.
Your eligibility for a tax credit or cost-sharing reductions is based on the most recent information that you reported to MNsure. Be sure to report changes and submit any requested proof as soon as possible. If you submit information that is not truthful or accurate, your private plan coverage may be terminated and you may have to repay any payments that you are not entitled to, including advance payment of premium tax credits.
Yes. State unemployment compensation is taxable income and should be included as part of your household income on your application.
This rebate is excluded as income in determining eligibility for advanced premium tax credits (APTC) and cost –sharing reductions, so you do not need to report it as income for those programs. The rebate will not be included in your 2021 modified adjusted gross income when reconciling your 2021 APTC eligibility with the IRS.
Please contact the Department of Human Services for information about Medical Assistance and MinnesotaCare reporting requirements.
Yes. The $300/week supplemental unemployment payment is taxable income and must be reported as part of your household income. You will be instructed on where to enter this amount on the application.
Yes. The additional $100/week MEUC payment is taxable income and must be reported as part of your household income. You will be instructed on where to enter this amount on the application.
You may qualify for increased financial help in paying for your current plan through MNsure. Or, you could be eligible for low-cost or no-cost health coverage through Medical Assistance or MinnesotaCare.
MNsure cannot give you tax advice. Please consult a tax professional for help with this question. Below are links to some tax professional sites.
The qualified small employer health reimbursement arrangement (QSEHRA) allows small employers to establish a company-funded benefit to reimburse consumers for personal health care expenses, including individual market coverage. QSEHRAs are available to employers with 50 or fewer employees and caps benefit amounts at $5,300 for employee-only coverage and $10,700 for consumers with dependents (2021 amounts).
MNsure has not yet incorporated the QSEHRA rules into its application architecture. As a result, individuals offered these HRAs should use the QSEHRA worksheet to get information about their APTC eligibility and coverage options.
The individual coverage health reimbursement arrangement (ICHRA) is a new program as of June 2019. ICHRAs enable employers to set up a company-funded benefit to reimburse consumers for personal health care expenses, including individual market coverage. ICHRAs are available to employers of any size, there are no benefit caps, and employers may vary eligibility and benefit amount by employee class.
MNsure has not yet incorporated the ICHRA rules into its application architecture. As a result, individuals offered these HRAs should use the ICHRA affordability worksheet to get information about their APTC eligibility and coverage options.
If your employer offers you an ICHRA, you'll need to determine if it is or isn’t considered affordable.
If you have accepted the offer of an ICHRA, or if it’s affordable for you even if you haven’t accepted the offer, you can’t get a premium tax credit to lower the cost of a plan you purchase through MNsure.
Yes. Employees can enroll in a private health plan using MNsure and use their QSEHRA benefits toward premiums.
Your employer’s offer for a QSEHRA is considered affordable coverage that bars advanced premium tax credit (APTC) payments. However, in some situations, your employer’s contributions and the cost of your benchmark plan (second lowest cost silver plan or SLCSP) might be considered unaffordable, such that you could use both APTC and QSEHRA payments to help pay for your premiums. If you’re eligible for and apply both APTC and QSEHRA payments toward your premium, you must reduce your maximum APTC applied to your plan by your employer’s monthly contribution (or by 1/12 the annual employer contribution) to avoid additional tax liability.
If an advanced premium tax credit was applied to your coverage in a previous year to help pay for coverage and you have not filed a tax return with IRS Form 8962 for that year, you will no longer be eligible for an advanced premium tax credit or cost-sharing reductions. You should file a tax return as soon as possible, including a completed IRS Form 8962.
You should have received a Form 1095-A – Health Insurance Marketplace Statement from MNsure to help fill out Form 8962 and file your federal income tax return for any previous year in which you received a tax credit. If you did not receive this form, call the MNsure Contact Center. After you file your tax return and IRS Form 8962, call the MNsure Contact Center to report that information.