MNsure is an online marketplace where individuals, families and small businesses in Minnesota can shop for and enroll in health insurance plans. Not sure if and when you should apply for health insurance through MNsure? Please see our Guide to Health Insurance.
ARE YOU A RETURNING USER TO MNSURE? You may not have to fill out a MNsure application. For people who’ve previously filled out a MNsure application, MNsure is telling many of these people NOT to complete a new application to get insurance for 2017. Instead, you may be asked to log into your MNsure account and pick a plan (if you qualify for private insurance) or mail back a form (if you qualify for Medical Assistance or MinnesotaCare).
If you’re one of the people who are being told not to fill out a new application for 2017, you’ve likely already gotten a letter from MNsure explaining what you qualify for and how to sign up. Be sure to read the letter carefully, meet any deadlines, and call MNsure at 1-855-3MNSURE if you’re confused. You can also find instructions here for returning users who want to get a private health insurance plan through MNsure for 2017.
Of course, the problem with MNsure using past information to determine what you qualify for in 2017 is that it may not be right. For example, your 2017 income may be different then the income MNsure used to calculate what discounted insurance you qualify for in 2017. If that’s the case, MNsure wants you to tell them by calling them at 1-855-3MNSURE or do so online here. You can still apply for insurance with the incorrect eligibility MNsure sent you (which is helpful if, for instance, you just need an adjustment to the amount of tax credit you should qualify for, and will need to get a private insurance plan whether MNsure updates your information or not). Springboard doesn’t know how long it takes MNsure to process these changes and has no control over the process. MNsure has not made it possible to simply submit a new application with the correct information on it.
ARE YOU APPLYING FOR HEALTH INSURANCE ON MNSURE FOR THE FIRST TIME? Here’s info about the process:
- Create a MNsure account (pick a username and password). Go here and click the “create account & apply” button.
- Once you log into your account, fill out and submit an application (please ask us questions along the way!). If you’d like to apply for free or discounted insurance, click the application labeled “individuals and families—apply for health insurance with discounts.“ Alternatively, if you don’t want to apply for free or discounted insurance, you can select the application labeled “without discounts;” this is a shorter application that does not ask questions about your family’s income.
- Once you submit your application, you’ll see a webpage that will tell you what you qualify for.*
If the webpage says you qualify for Medical Assistance or MinnesotaCare, you will get a letter in the mail from the Minnesota Department of Health or the county you live in. This will have more info about the next step that you need to take to complete enrollment (send in proof of income; choose a health insurance plan; pay your first month’s premium). Or, if you qualify for free insurance and it’s determined that you don’t need to send in any proof of income, you’ll be automatically enrolled in health insurance and can expect to receive your insurance card in the mail. Please click here for more information. Please note: You can enroll in a public plan at any time.
If you submit an application and it says you qualify for private health insurance (with or without a tax credit), you’ll see a button you can click to enter MNsure’s online marketplace. The marketplace is where you can view plans and select one. Please note: Open enrollment is currently closed. You must be given permission to enroll in a health insurance plan outside of open enrollment.
*If you think you qualify for free or reduced cost insurance, but the webpage says you don’t, make sure to call 1-855-3MNsure to verify and ask why. If you made a mistake and need to start a new application, MNsure can remove/withdraw your current application.
Also good to know: Right after you submit the MNsure application, the type of health insurance the webpage displays, and says that you qualify for, may not always be correct; if MNsure needs more information from you to verify that you’re eligible for Medical Assistance or MinnesotaCare, you’ll get a letter with instructions from the Minnesota Department of Health or the county you live in.
If you’d like to ask a question or request a free, one-on-one appointment, Please click here. You can also check out this calendar to find events presented by organizations across Minnesota, including our partners at UCare and Crosstown Insurance! As a certified by MNsure Navigator, Springboard can help you fill out the MNsure application and answer questions about the health insurance requirement. Please note that Springboard for the Arts cannot give advice about which health plan to choose, but we are happy to refer you to a broker or health insurance provider.
Questions? Feel free to contact us via this form: