The landscape of health insurance in Minnesota includes many avenues through which individuals and families may buy health care insurance plans. Residents without access to employer-sponsored coverage can shop for health care plans in the private marketplace and through the federal marketplace exchange. Those who are eligible may apply for public health plans such as Medicaid and CHIP.
HealthCare.org offers free health insurance quotes for Obamacare individual insurance plans, and also provides access to short term health insurance, small employer health plans and Medicaid information.
Minnesota and the Affordable Care Act
When the Affordable Care Act took effect and required most Americans to buy health insurance coverage, Minnesota elected to set up a state marketplace, also known as a state exchange. When residents enroll in ACA-compliant health plans sold through the health insurance exchange, they can apply for income-based financial assistance that helps lower their monthly health insurance premiums and out-of-pocket expenses for healthcare.
Only marketplace plans are eligible for income-based premium tax credits and cost-sharing subsidies. Individuals and families can find both marketplace, on-exchange plans and private, off-exchange plans at HealthCare.org. For those who qualify for financial assistance, HealthCare.org will connect them to the right exchange to complete their enrollment.
The Small Business Health Options Program (SHOP) provides a way for employers with 50 or fewer full-time employees to offer healthcare benefits that meet federal health insurance standards.
Medicaid expansion in Minnesota
Minnesota is one of many states to have expanded Medicaid to single, low-income adults since Obamacare took effect. Residents that want to apply for Medicaid must meet certain eligibility criteria set by the state.
Minnesota Children’s Health Insurance Program (CHIP) provides low-cost health insurance for eligible children.
Get free quotes on Minnesota health insurance plans from leading companies, and apply for health care coverage directly online.
Minnesota is one of the healthiest states in America. The United Health Foundation ranked Minnesota as the 6th healthiest in 2014, and although it meant that it’s slightly less healthy than 2008, its health status is still extremely good.
The physical lifestyle of Minnesota’s residents is very healthy, with a good environment for families and good health practices across the state. Low prevalence to diabetes and drug deaths helps Minnesota rank high for its healthy standard of living.
Minnesota Department of Commerce
85 7th Place East, Suite 500
St. Paul, MN 55101
Phone: (651) 539-1600http://mn.gov/commerce/insurance
Minnesota Department of Health
P.O. Box 64975
St. Paul, MN 55164-0975
Phone: (651) 201-5000http://www.health.state.mn.us/