HOW IT WORKS:

Our 2 Step 2 Minute process if fast and easy:

You can view what plans are available to you along with price quotes. Quotes are presented for all of the major health insurance carriers available to you including Blue Cross, Blue Shield, Aetna, Humana, United, Assurant, Kaiser (in select states), Cigna, along with regional plan providers.

STEP 1: Applicant Information

In order to provide you with a quote, we need the following information:

- Date of Birth, Height/Weight, and   Gender.

- Whom you would like to insure?

- Basic Health information.

- Contact Information for a licensed   agent to help you

STEP 2: See Quotes

You will be presented with available plans
which fit your profile:

Depending on your location and health profile, this could include quotes from the providers above and others. You will also be given the option to work with a health insurance agent.

Minnesota affordable care act resource center

WHAT INFORMATION DO I NEED WHEN APPLYING FOR HEALTH COVERAGE ONLINE?

To apply online, you need to create your account at MNsure.org.

Before creating your account, have this information at hand:

  • First name.
  • Last name
  • SSN (social security number).
  • DOB (date of birth).
  • Waiver status.
  • EE status (employee, dependent, spouse, or domestic partner).
  • E-mail address

WHAT IS THE DIFFERENCE BETWEEN THE PLANS OFFERED IN THE MARKETPLACE?

The Marketplace offers:

  • bronze plans

    This is the lowest cost plan available.

    • It has the lowest premiums and the lowest actuarial value.
    • The actuarial value of a bronze plan is 60%. This means that 60% of medical costs are paid for by the insurance company, leaving the other 40% to be paid by you.
  • silver plans

    This is the second lowest cost plan.

    • It has an actuarial value of 70%. This means that 70% of medical costs are paid for by the insurance company, leaving the other 30% to be paid by you.
  • gold plans

    This is the second most expensive plan.

    • It has an actuarial value of 80%. This means that 80% of medical costs are paid for by the insurance company, leaving the other 20% to be paid by you.
  • platinum plans

    This is the plan with the highest premiums.

    • The Platinum plan as an actuarial value of 90%. This means that 90% of medical costs are paid for by the insurance company, leaving the other 10% to be paid by you.
  • Catastrophic Plans

    These are plans for people under 30.

    • They usually have high deductibles, essential benefits and low premiums.
  • COMPARE PLANS Click here to compare and choose the best plan for you

HOW LONG CAN CHILDREN STAY ON MY HEALTH INSURANCE POLICY?

The official ObamaCare enrollment period ends on January 31, 2017. Important Notice: Its urgent, to avoid future fines and penalties, to sign up for health insurance under the Affordable Health Care Act.

Minnesota Individuals & Families: Find out the most cost efficient healthcare insurance for you.

Under the health care law, if your plan covers children, you can now add or keep your children on your health insurance policy until they turn 26 years old.

CAN MY CHILDREN BE DENIED COVERAGE IF THEY HAVE ASTHMA OR DIABETES?

No. Under the new health reform, insurers can no longer deny coverage to children because of a pre-existing condition, like asthma or diabetes. Health insurers will no longer be able to charge more or deny coverage to anyone because of a pre-existing condition.

DENTAL PLANS

The Marketplace in Minnesota also offers dental plans for children and families.

There is an extensive list of provider networks that offer health insurance plans, but they are subject to change. You should contact your insurer directly.

You can check provider networks for individuals and families at healthcare.gov

You can check provider networks for small businesses at healthcare.gova

DOES THE MINNESOTA MARKETPLACE OFFER DENTAL PLANS?

Yes, the Minnesota Marketplace offers dental plans to children and families. Visit MNsure.org to check your options.

WHERE DOES THE FUNDING GO IN THE COMMUNITIES?

Under ObamaCare, funding is increased to promote better health and services in all communities.

The funds are used to:

  • Support ongoing health center operations.
  • Establish new health center sites.
  • Expand services.
  • Support major capital improvement projects.
  • Help enroll uninsured Americans in the Health Insurance Marketplace.
  • Hire more workers.
  • To repay educational loans and provide scholarships to primary care physicians, dentists, nurse practitioners, physician assistants, behavioral health providers, and other primary care providers who practice in areas of the country that have too few health care professionals.

WHAT ARE MEDICAL ASSISTANCE AND MINNESOTACARE?

Medical Assistance and MinnesotaCare are health care programs for low-income residents (children and parents, adults without children, people with disabilities and seniors) who fall within the Minnesota Health Care Programs (MHCP).

If you qualify for MA or MinnesotaCare, you will be able to get medical services at little cost to you.

Medical Assistance does not have a premium (monthly fee). Members do have small co-pays for some services, usually $1 – $3. This is called cost sharing.

MinnesotaCare does have a premium (monthly fee), based on your income, and small co-pays.

You can find more information about cost sharing and what MHCP covers by visiting Minnesota Care

DO ALL PLANS SOLD IN THE MARKETPLACE COMPLY WITH THE NEW HEALTH REFORM?

Yes. All health insurance sold on official Marketplaces must include all the new benefits, rights and protections of the Affordable Care Act. You can access your state’s Health Insurance Marketplace by visiting MNSure.

WHAT IS THE OFFICIAL MARKETPLACE FOR MINNESOTA?

MNsure.org is your state’s official Marketplace for Minnesota.

WHAT IF I CAN’T AFFORD MY PLAN?

If you can’t afford your plan, you may qualify for MinnesotaCare, or for a tax credit and payment assistance to lower your cost.

MEDICAL ASSISTANCE AND MINNESOTACARE

Medical Assistance and MinnesotaCare are health care programs for low-income residents (children and parents, adults without children, people with disabilities and seniors) who fall within the Minnesota Health Care Programs (MHCP).

If you qualify for MA or MinnesotaCare, you will be able to get medical services at little cost to you.

Medical Assistance does not have a premium (monthly fee). Members do have small co-pays for some services, usually $1 – $3. This is called cost sharing.

MinnesotaCare does have a premium (monthly fee), based on your income, and small co-pays.


  • Individuals with annual incomes of up to $15,282 qualify for MA.
  • All children and pregnant women up to 275 % of the federal poverty level are eligible for MA.
  • Individuals with annual incomes of $15,282 to $22,980 qualify for MinnesotaCare.

You can find more information about cost sharing and what MHCP covers by visiting the states website.

Tax Credits

Individuals with annual incomes of $22,981 to $45,960 qualify for tax credits that can be used immediately to lower your premiums.

The amount of tax credit available to individuals and families depends on modified adjusted gross income, age and geographic area. * For most taxpayers, the household Modified Adjusted Gross Income (MAGI) is the same as Adjusted Gross Income (AGI) which can be found on Line 4 on a Form 1040EZ, Line 21 on a Form 1040A, or Line 37 on a Form 1040.

Premium assistance is calculated based on where an individual’s annual income falls on the Federal Poverty Level (FPL) table. To check table please visit MN Sure.

If you qualify for the tax credit, you can choose:

  • In advance to reduce your health care plan costs each month (You can begin receiving the tax credit when your coverage becomes effective).
  • Apply for it when you file your federal tax return.

Cost-sharing

You may also qualify for extra savings through cost-sharing assistance. This help reduces the amount you pay of put-of-pocket costs.

The federal government provides this assistance usually to:

  • Individuals earning up to $28,725.
  • Families of 4 earning up to $58,875.

FACTS

  • MNsure.org is your state’s official ObamaCare website for Minnesota.
  • All health insurance sold on MNsure.org includes all the new benefits, rights and protections of the Affordable Care Act.
  • The law bans insurance companies from imposing lifetime dollar limits on health benefits.
  • Not everyone who doesn’t have insurance will be charged a fee or will get cost assistance.
  • How much you pay for your premium depends on your income and household size.
  • Location, income, smoking status, family size and age all affect the cost of your health insurance premium.
  • Minnesota has a number of health care programs for low-income residents that fall within the Minnesota Health Care Programs (MHCP) such as Medical Assistance and MinnesotaCare.
  • Minnesota offers help to individuals and business owners through agents and brokers. Please visit MN Sure for help.
  • Subsidies are given as refundable tax credits.
  • Affordable health insurance is defined as 8% of your income.