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MNsure

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What is MNsure? MNsure is Minnesota’s new online marketplace where individuals, families and small businesses will be able to get quality, affordable health coverage that fits your budget. You may even qualify for a low-cost or free plan. Call 612-910-2665 or 1-877-800-7340 for health insurance answers about the new health reform changes brought by the Affordable Health Care Act to Minnesota residents.

MNsure will offer: an easy-to-use website where you can search and compare plans a hotline you can call to talk with someone about your options and places where you can sign up in your community MNsure will do many things. It will: Be a one-stop place to shop for health insurance plans Lay out plan options side-by-side for easy comparison Ensure that plans meet certain baseline benefit standards. Let you know if you qualify for tax credits or financial assistance Let you know if you qualify for a low-cost or free plan. Allow you to apply and enroll online in health benefit plans. Show you what your potential cost will be. Give you examples of average costs for common health services. Show you quality ratings for hospitals and clinics in your community.

When does the MNsure marketplace open? Enrollment starts October 1 with coverage beginning January 1, 2014. Who can use MNsure?

Initially, individuals who are not covered under an employer’s plan and small businesses with up to 50 employees can use MNsure. Large employers may be allowed to participate in 2017. What does bronze, silver and gold mean? They indicate different levels of coverage. A Bronze level plan will cover roughly 60% of the costs of services it offers. Silver will cover roughly 70%, Gold will cover roughly 80% percent, and Platinum will cover roughly 90% of the costs of the benefits provided. A “Catastrophic Plan” will also be offered. It can help those who would not be required to purchase coverage because the premium exceeds 8% of their income.

Individuals and Families

  • Does everyone have to purchase health insurance?

    Yes. Beginning January 1, 2014, all U.S. citizens and legal residents will be required to obtain health insurance coverage. Many will be covered by an employer plan, some will qualify for health programs, and others will purchase it themselves.

    • What happens if I don’t buy coverage? Starting in 2014, you will pay a tax penalty. The penalty will increase over time:
      • In 2014, it will be the greater of $95 per adult or 1 percent of taxable income.
      • In 2015, it will be the greater of $325 per adult or 2 percent of taxable income.
      • In 2016, it will be the greater of $695 per adult or 2.5 percent of taxable income.
      • After 2016, the tax penalty increases annually based on a cost-of-living adjustment.
      • A person will only pay one-twelfth of the total annual penalty for each month without coverage.
      • The penalty for a child is half that of an adult.
      • A maximum penalty would be calculated based on premiums for plans offered through MNsure.

Health Insurance Premium Estimator

Under the Affordable Care Act, beginning in 2014, many individuals and families will be eligible to receive subsidized coverage through MNsure if they are not eligible for Medicare, Medicaid or the Children’s Health Insurance Program and are not offered affordable coverage through their employer.

Notes: This calculator shows estimated premiums for families and individuals eligible to purchase coverage through MNsure. Actual premiums are not yet known. The calculator also indicates income-eligibility for Medicaid. Also, the calculator is not applicable for American Indians, who will have unique rights, benefits or opportunities through MNsure.

  • Under the law, maximum contributions to premiums will be based on modified adjusted gross income.
  • Estimates in this calculator are based on the annual income entered by the user.
  • The premiums in this calculator use national estimates from the Congressional Budget Office for silver plans, adjusted for premium inflation and the ages of the individuals.
MNsure Official Partner
612-991-3546 or 1-877-800- 7340


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