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Minnesota Health Insurance

Are you planning to buy health insurance plans in Minnesota? Here, we provide instant and accurate Minnesota health insurance quotes from trusted providers in the state. We will also teach you how to save on your health coverage. Start your search by entering your zip code above and find out more Minnesota health insurance plans in your area.
6th Place in State Health Report Card

State Health Report Card

There are 599,000 adult smokers in Minnesota. This number is down from 19.8 percent to 14.9 percent over the last ten years. In the past year, children living in poverty is down from 17.4 percent to 13.9 percent among those under 18 years. Preventable hospitalizations decreased over the past year, from 55.1 to 52.9 discharges per 1,000 Medicare enrollees. Obesity is up from 17.4 percent to 25.4 percent over the last ten years. Today there are more than one million obese adults in Minnesota. Diabetes is up from 4.9 percent to 6.7 percent over the last ten years. There are 269,000 adults living with diabetes in Minnesota. Violent crime cases went down in the last five years, from 297 to 236 cases per 100,000 population.

Minnesota Health Insurance Laws and Regulations

Minnesota requires all policies to be sold with a guaranteed renewability clause. This means that you can always renew your coverage, as long as you're paying your premiums. In addition, insurers cannot cancel an existing policy when a customer experiences health problems. Minnesota health insurance plans can exclude coverage for a pre-existing condition for up to 12 months. However, with you have continuous coverage, you can switch to a different plan and need only to satisfy the remaining waiting period. Health insurance companies are free to decide whether to approve or reject an application. There are very few measures to control premium prices. A two-week open-enrollment period is required for some HMOs, during this period all applicants must be accepted. Small businesses (with 2 to 50 employees) are qualified to purchase any group health plan available to other small companies in the state. Minnesota health insurance quotes for group coverage can vary according to the risk factors of its members. To maintain coverage, these plans may require certain conditions like minimum number of employees covered and minimum employer contribution. These plans cannot be cancelled based on the health condition of the members. Self-employed individuals cannot be classified as small businesses, and thus cannot avail of group health plans. However, if they choose individual plans, they can deduct a portion of the premiums from their tax liability.

State Government Insurance Programs Offered

Minnesota Comprehensive Health Association (MCHA)

800-262-4784

Minnesota Comprehensive Health Association (MCHA) is the state's high risk pool and offers plans to those who have been denied coverage because of a serious medical condition. Services covered include hospital and ambulance services, emergency services, professional, service, prescription drugs and pharmacy services, skilled nursing facility and hospice services, mental health and substance abuse, durable medical equipment and prosthetics, reconstructive and restorative surgery, and many more. The following are eligible for MCHA: Living in Minnesota and eligible for Trade Adjustment Assistance (TAA) or HIPAA. Living in Minnesota (for the last 6 months), at least 65 years old, and not qualified for Medicare. Have been denied coverage due to a pre-existing condition for the last 6 months. Received treatment within the last 3 years for one of the special medical "presumptive conditions".

Pre-existing Condition Insurance Plan (PCIP)

866-717-5826

This is a temporary high-risk pool program created in accordance with the Health Care Reform Law and is operated by the U.S. Department of Health and Human Services. This program provides coverage for those with pre-existing conditions who have a hard time finding private coverage. Coverage includes a wide range of benefits which includes hospital care, primary care, specialty care, and prescription drugs. Eligibility: 1. Must be a U.S. resident living in Minnesota. 2. Must be uninsured for at least six months. 3. Must have a qualified pre-existing health condition.

Medical Assistance (Medicaid)

Twin-Cities Metro Area 651-431-2670 Outside Twin-Cities Metro Area 800-657-3739

Medicaid offers coverage to low-income individuals and families who cannot pay for their medical care. Applicants for this program should meet financial and other eligibility requirements. Benefits for this program include physician services, medical and dental check-ups, diagnostics, prescriptions, hospital services, hospice, dental care, family planning, maternity, prenatal, newborn care, drug and alcohol treatment, mental health services and many more. Eligibility: 1. Must be U.S. citizens or legal residents living in Minnesota. 2. Must not exceed income limits: Pregnant women: 175% of the Federal Poverty Level (FPL) children aged 0-1: 280% of the FPL. Children aged 2-18: 150% of the FPL. Children aged 19-20: 100% of the FPL. Parents and relative caretakers with children 18 and below: 100% of the FPL. Parents, foster parents, legal guardians, and relative caretakers with children under 21: 275% of the FPL. Adults without children: 75% of the FPL. Medically-needy: Singles earning $677 monthly with an asset limit of $3,000; couples earning $911 with an asset limit of $6,000. Aged, blind, or disabled: 100% of the FPL.

Sage Screening Program

888-643-2584 888-6-HEALTH

The Sage Screening Program offers free exams and diagnostic services to qualified women. In some cases, treatment can even be covered. Benefits covered include comprehensive breast and cervical cancer screening. Eligibility: 1. Must be women living in Minnesota. 2. Uninsured or underinsured 3. Must meet income limits: 250% of the federal poverty line. 4. Must be at least 40 years old. Those under 40 may qualify if they are classified as high-risk.

Women-Infant- Children (WIC)

800-942-4030 State offices: 651-201-4404 or 800-657-3942

Women-Infant-Children (WIC) offers assistance to low-income pregnant, breastfeeding, and non-breastfeeding post-partum women; and children five years and below who may have nutritional deficiencies. The program offers offers free health screening, supplemental food, nutrition assessment and education, breast-feeding support and education, among others. Eligibility: The program is available to pregnant or post-partum women and children aged 5 years and below. Women and children must be residents of Minnesota, must be at risk nutritionally or medically, must meet income requirements.

MinnesotaCare

651-297-3862 Outside Twin-Cities Metro Area 800-657-3672 TTY: 800-627-3529

MinnesotaCare offers health insurance assistance programs to uninsured adults and certain children. Services include doctor and health clinic visits, emergency visits, dental services, inpatient hospital coverage, and more. Eligibility: 1. Applicants must be U.S. citizens or qualified residents living in Minnesota; uninsured in the last 4 months (not needed when insurance was Medical Assistance, or were under General Assistance Medical Care, or paid more than 50% of the work-based monthly premium). 2. Must meet income requirements: Adults without children: 250% of the federal poverty line (FPL). Parents of children under 21 years, children under 21 years, and pregnant women: 275% of the FPL.

Medicare

800-633-4227

This health care system is administered by the federal government and provides health insurance coverage to Americans aged 65 and above or those younger than 65 but have a disability or end-stage renal disease. Coverage has four parts: Part A: provides inpatient care in hospitals and rehabilitative centers. Part B: provides doctor and some preventive services and outpatient care. Part C: provides Medicare benefits through Medicare Advantage. Part D: provides prescription drug coverage. Eligibility: 1. Must be a U.S. citizen or permanent U.S. resident. 2. Must be 65 years or older, with you or your spouse having worked in a Medicare-covered employment for at least ten years; or have a qualified disability or end-stage renal disease, regardless of age.

Health Coverage tax Credit

866-628-4282

Health Coverage Tax Credit covers up to 80% of premiums for qualified trade-impacted workers or TAA recipients. This is a federal tax credit created by Congress through the Trade Act of 2002 which aims to make health coverage more affordable and accessible for those who may not afford it. Benefits for HCTC plans include doctor visits, prescription drugs, inpatient and outpatient care, preventive care, medical care, mental health, and substance abuse care. Eligibility: 1. Must be 55 years or older and receiving pension from Pension Benefit Guaranty Corporation; or receiving Trade Adjustment Assistance. 2. Must have a qualified health insurance plan and must be paying for more than 50% of the premiums. 3. Must NOT be in prison, be listed as a dependent in tax returns, belong to certain state plans, be a recipient of 65% COBRA subsidy.

Heath Care Reform

With the new health care law, children under the age of 26 can choose to stay under their parent's Minnesota health insurance as long as they are not offered an employer-based health insurance. This provision enabled 2.5 million young adults to have insurance nationwide. In Minnesota, 32,189 young adults have insurance coverage through this provision as of June 2011.

The new health care law allowed 66,833 Medicare policyholders in Minnesota to receive a $250 rebate check to help with prescription drug costs when they fell into the Medicare gap in 2010. In 2011, 57,610 Medicare plan holders were given a 50% discount on brand-name prescription drugs covered by their plans when they hit the donut hole. An average of $590 per person or a total of $33,963,871 was saved in Minnesota.

Previously uninsured individuals without health coverage because of a pre-existing condition can now apply for a Pre-Existing Condition Insurance Plan. This plan is available to U.S. citizens or legal residents with a pre-existing condition and have been uninsured for at least 6 months. In 2011, 244 individuals in Minnesota have benefited from this new law.

When looking at Minnesota health insurance quotes, applicants are assured that at least 80 percent of the price will go directly to health care services and other related improvements. A rebate or premium discount shall be provided if the minimum is not met. All private policyholders in Minnesota will get greater value for their premium payments because of this 80/20 rule.

Preventive care services like immunizations, colonoscopies, mammograms, or annual wellness doctor visits must be included in all Minnesota health insurance with no deductibles or co-pays. In 2011, 424,007 Medicare subscribers and more than 1 million individuals with private policies received such services in Minnesota.

Under the new law, insurance companies are no longer allowed to impose an annual dollar limit-a cap on the yearly spending for your benefits, or a lifetime dollar limit-a lifetime cap for spending for your covered benefits. This law frees chronically ill individuals like cancer patients from worrying about getting further treatment because of such limitations. In 2011, more than 2 million Minnesota residents have benefited from this law.

If insurance companies want to raise their premium rates by ten percent or more, they are required by federal law to publicly announce and justify their actions. To guard against such unreasonable increases, the state of Minnesota received a total of $3.9 million.

All fifty states receive increases in funding for community health centers under the Affordable Care Act. This will help construct new health centers, provide medical services to more patients, improve preventive and primary health care services, and fund infrastructure projects. In Minnesota, 73 community health centers received a total of $11.5 million to fund these improvements.

In 2010, the Affordable Care Act created the Prevention and Public Health Fund. This new fund was created for wellness promotion, disease prevention, and protection against public health emergencies. Minnesota has already received a total of $18.3 million to support its policies, programs, and communities to help its residents lead healthier lives.