Minnesota Management and Budget
MNsure - Health Insurance Exchange
400 Centennial Building, 658 Cedar St, St. Paul, MN, 55155
MNsure is Minnesota's online health insurance marketplace where individuals and families are able to get quality, affordable health insurance that fits your budget. You may even qualify for a reduced cost, low-cost or free plan.
MNsure is the only place you can apply for financial help to lower the cost of your monthly insurance premium and out-of-pocket costs.
* An easy-to-use website where you can search and compare plans
* A contact center you can call to talk with someone about your options
* Places where you can get help and sign up in your community
The MNsure website:
* Allows you to comparison-shop for insurance online from health plans that meet baseline standards
* Lets you know if you qualify for tax credits or financial assistance or low-cost or free plans
* Allows you to apply and enroll online in health insurance plans
* Shows you what your potential cost will be with examples of average costs
* Allows you to apply for Medical Assistance and MinnesotaCare as long as you do not have Medicare
One of the provisions of health reform requires that new health insurance plans must include a minimum set of health care services and products, presented in a way so that you can compare plans to each other and understand what the plans will cost. The minimum set is commonly called Essential Health Benefits and it applies to plans within exchanges and also outside of exchanges. The Minnesota Department of Commerce is responsible for setting the standard benchmark plan for the state.
To estimate whether you may qualify for subsidized low cost or free coverage, view tax credit and cost sharing assistance information
MNsure plans are not available to people with Medicare.
Apply for MNsure online or by phone.
If you need help to apply for MNsure, community-based MNsure Assisters can help. To find an Assister Navigator, go online or by calling (855) 366-7873.
Open enrollment for MNsure is November 1 - January 31 every year.
This deadline does not apply to Medical Assistance (MA) or MinnesotaCare, or for anyone who is currently covered.
Some people may qualify for a limited special enrollment period due to COBRA coverage or if there is a qualifying life event. To find out if you qualify for a special enrollment period, call MNsure at (855) 366-7873.
The fees for health coverage will vary depending on the amount of coverage you select, the deductible, the range of health services covered under policy selected, your health needs, the number of people in your family to be covered, any subsidies for eligible participants, etc.
|Toll Free||(855) 366-7873|
This provider does not offer this service at other locations.
Other Services or resources
This provider does not offer other services or resources at this location.
Taxonomy Terms Used: Clicking a taxonomy term from the list below launches a new search.
LH-3000.3050Health Insurance Marketplaces Definition
Organized marketplaces (also called "exchanges") for the purchase of health insurance that are established by states, the federal government (federally-facilitated marketplaces) or states and the federal government in partnership; and set up as a governmental or quasi-government entity. The marketplaces enable individuals and small employers to compare available private health insurance options on the basis of price, benefits and services, quality and other factors; and are required to provide for the operation of a toll-free call center and an Internet website as consumer assistance tools. They help enhance competition in the health insurance market, provide a range of affordable health insurance choices and give small businesses the same purchasing power as large businesses. They serve as a one-stop shop where individuals can get information about their options; be assessed for premium assistance subsidies (tax credits) which are determined on a sliding scale and cost sharing assistance subsidies; and be assessed for or enrolled in the plan of their choice. The marketplaces are not insurers, so they do not bear risk themselves, but determine the insurance companies that are allowed to participate in them. Health plans provided through the marketplaces are made available to qualified employers and their employees in the small group market through a small business health options program (SHOP).
LH-3000.6650Private Health Insurance Definition
Organizations including private insurance companies, health plans or individual agents that issues policies or plans that pay the medical expenses of covered individuals. Health insurance policies differ in premium amounts as well as the services they cover, the size of the deductible and/or co-payment, and cost and treatment options. Included are employment-based plans which are offered through an individual's place of employment or that of a relative and direct purchase health plans that are purchased by an individual from a private company.
LH-3500.0200Affordable Care Act Insurance Information/Counseling Definition
Organizations that provide consumer assistance for individuals and small businesses wanting to purchase private insurance through the marketplaces for themselves or, in the case of employers, for their employees. Their primary responsibility is to facilitate enrollment of consumers in health insurance plans offered through the marketplaces. The Affordable Care Act (ACA) requires the use of trained navigators to provide in-person education, and eligibility and enrollment assistance; and permits the use of trained in-person assisters and application counselors. The operator of the marketplace determines the process for establishing and managing the navigator program. Operations will vary depending on the model selected by the jurisdiction. Choices include a federally operated (or federally-facilitated) marketplace, a federal/state partnership or a state operated marketplace.
LH-5100.3000Health Insurance Premium Assistance Definition
Programs that make health insurance payments for individuals who are at risk for losing their health, dental and/or vision care coverage and who meet age, income, disability, need or other requirements. Some programs may also provide assistance with deductibles and co-pays.
NL-5000.8000State/Local Health Insurance Programs Definition
Programs that provide health insurance for people who do not qualify for Medicaid, do not have access to insurance provided by an employer or cannot afford privately purchased health insurance. Services covered by these programs vary by state but generally include hospitalization, physician services, emergency room visits, family planning, immunizations, laboratory and x-ray services, outpatient surgery, chiropractic care, prescriptions, eye exams, eye glasses and dental care. Other services may include alcohol and drug treatment, mental health services, medical and equipment and supplies and rehabilitative therapy. Eligibility requirements also vary. Included are state and/or local government health insurance programs which may be administered by the state or at the local level, and public/private partnerships between state and/or local government entities and health insurance companies or other private organizations. Health care is generally provided through participating managed care plans in the area.
YB-9000Young Adults Definition
Individuals who are generally between the ages of 18 and 25 depending on the ages that specific programs use for qualification.
YJ-8780People With Inadequate Health Insurance Definition
Individuals who do not have adequate coverage to address their medical needs including prescription drugs, doctor visits, medical tests, surgery or other medical procedures or interventions for catastrophic medical conditions.
YJ-8800People Without Health Insurance Definition
Individuals and families who have no health care insurance coverage and who may not be receiving adequate medical care as a consequence.