Thanks for visiting mnformation! Congratulations on taking a proactive step toward thinking about your healthcare needs and budgetary considerations. We hope that you will find this tool helpful as you start to consider your options.

**Eligibility results now show 2017 costs!        Questions? Contact Health Access MN at 651-645-0215 or healthaccess.mn

About MNsure

MNsure is a marketplace where Minnesotans can shop, compare, and choose private market health insurance coverage that meets their needs, and is the only place that Minnesotans can apply for help paying for health insurance. MNsure's mission is to ensure that all Minnesotans have the security of health insurance.


Important Things to Know about Your mnformation Estimate

mnformation predicts eligibility for Medical Assistance, MinnesotaCare, and cost-sharing reductions (CSR), and estimates 2016 household advanced premium tax credit (APTC) for residents of Minnesota based on income, geography, and demographic information. mnformation results are intended to show potential eligibility and/or an estimate of tax credits. To make the tool easier to use, it ignores certain very uncommon situations that might result in assistance. To get an official eligibility determination you must complete an application through MNsure. The assistance programs for which eligibility is predicted are:
 

  • Medical Assistance (MA) is Minnesota’s Medicaid program. It has no premiums and very low deductibles and cost-sharing. Most enrollees get their health care services through a managed care organization. As a result of the health care law, eligibility for MA was expanded in Minnesota to adults with incomes up to 133 percent of the federal poverty level. Other populations, such as children and pregnant women, can qualify for MA at higher income levels.
     
  • MinnesotaCare (MCRE) is a health care program mainly for Minnesota residents with incomes between 133 and 200 percent of the federal poverty level. Most enrollees pay a monthly premium based on family size and income, up to a maximum of $80 per person. The program has low deductibles and cost-sharing. All MinnesotaCare enrollees get their health care services through a private-market insurance carrier.
     
  • Advanced Premium Tax Credits (APTC) are a tax credit that can reduce the monthly premium you pay for insurance through MNsure. Consumers can use these tax credits, based on their estimate of their expected household income for the coverage year, to lower their monthly insurance bill (or "premium"). If at the end of the year the consumer has taken more advance payments of the premium tax credit than they were eligible for based on their actual income reported on their taxes for the coverage year, they must repay the excess within certain parameters. If the consumer has received less advance payments than they qualify for, they will receive  the difference when they file their taxes.  Household income limit for this benefit is between 100 and 400 percent of the federal poverty level. In Minnesota, consumers who have household income between 100% and 200% are eligible for MinnesotaCare, which makes them ineligible to receive tax credits. Individuals who are married must file Federal income taxes jointly to be eligible for tax credits.
     
  • Cost-sharing Reductions (CSR) are a federally-funded subsidy that reduce the amount of out-of-pocket medical care costs. CSRs are for Minnesota residents who have incomes between 200 and 250 percent of the federal poverty level and have purchased silver-level health insurance on MNsure. MNsure silver CSR plans have the same monthly premium but somewhat lower out-of-pocket costs than unsubsidized silver plans. Enrolled members of a federally recognized tribe can receive CSR benefits, if they qualify, on any metal level plan.


Medicare and eligibility for assistance: Most people age 65 years old and older are eligible for Medicare. Generally, if you are eligible for Medicare, even if you did not choose to enroll in it, you probably cannot get premium assistance for health insurance through MNsure. When using MNformation, do not identify members of your household who are eligible for Medicare as people applying for coverage on the “First things first” page. Include information about these household members on the “Household Information about ___” pages. If a member of your household is over the age of 65 but not eligible for Medicare because of factors such as immigration status, he or she may be eligible for assistance through MNsure. You can use mnformation to find out about the eligibility for assistance of these household members by entering their ages as 64.

People who have Medicare should contact the Minnesota Health Care Programs Member Help Desk at 651-431-2670 or 800-657-3739 or their county agency to inquire about applying for MA and/or for help paying Medicare premiums and cost-sharing.


Employer-sponsored insurance: Generally, if you have job-based coverage available to you through an employer, then you cannot get premium assistance for health insurance through MNsure. People with low incomes who qualify for health insurance through a job may still be eligible for MA. With most job-based health plans, an employer pays part of your monthly premiums. However, if your employer’s coverage doesn’t meet the health care law’s “minimum value” requirement or is considered unaffordable, then you may be eligible for MinnesotaCare or for financial assistance to purchase coverage through MNsure. Your employer can tell you whether the insurance plan it offers meets the minimum value requirement. Your employer also can provide you with information to determine whether the plan is considered affordable under the Affordable Care Act definition.


If you have questions about your insurance options, please go to www.MNsure.org or call the MNsure Contact Center at 1-855-366-7873. You can also contact an assister (see choices on www.mnsure.org/help/) or the Minnesota Health Care Programs Member Help Desk at 651-431-2670 or 1-800-657-3739.


There are several reasons why mnformation results may not match your actual MNsure results. One reason is that mnformation relies completely on unverified information as you enter it; MNsure may verify your income against various sources.
 

mnformation is operated by Health Access MN. While every effort has been made to provide the best possible eligibility estimates, Health Access MN cannot guarantee the accuracy of the eligibility predictions or APTC estimates provided here.

 

Questions about This Estimate?

If you need help understanding this estimate, you can find a certified navigator, agent, or broker here.