MCHA Safety Net Information: Since becoming operational in 1977, MCHA has served as an insurance safety net for Minnesotans who have been turned down for individual health insurance due to pre-existing conditions. There are many different circumstances that cause Minnesotans to turn to MCHA. These circumstances include, Self –employed individuals who want insurance but are rejected due to pre-existing conditions.

·        Individuals who exhaust COBRA benefits

·        HIPAA eligible persons (generally, persons leaving employer group coverage)

·        Spouses and dependents of employees whose employer does not offer dependent health care coverage

·        Individuals eligible under the Trade Adjustment Assistance (TAA), alternative TAA, or Pension Benefit Guaranty Corporation (PBGC).

·        Changes in self-insured employer or union plans (changes in benefits, cancellation of benefit plans, or coverage for retirees under 65 year of age)

·        Persons reaching lifetime maximums in their insurance policies

·        Persons reaching lifetime maximums in their employer’s self-insured plans

·        Individuals working for employers who do not offer health insurance benefits

·        Individuals laid off or terminated by self-insured employers who do not offer conversion policies

·        People waiting for employer coverage while fulfilling probationary employment period

·        People who had individual health coverage or group coverage that was cancelled by their insurance company

·        Former employees of bankrupt companies

·        Former insured's of HMOs or insurance companies that become insolvent

·        Recipients of the Minnesota Health Department’s “Minnesota Children With Special Needs” program

·        Some recipients of Ryan White funding

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