Jane Dotson
Minnesota offers a variety of health insurance options for its residents. These include private insurance, Medicaid (Medical Assistance), MinnesotaCare, and Medicare. MNsure is Minnesota's health insurance marketplace, where individuals and families can shop for and compare health insurance plans. Minnesota also has programs for people with low incomes, such as Medical Assistance (Medicaid) and MinnesotaCare, which are offered through HealthPartners. Additionally, the state provides transportation assistance for medical appointments through the Minnesota Non-Emergency Transportation (MNET) program.
| Characteristics | Values |
|---|---|
| Health Insurance Marketplace | MNsure |
| Health Insurance Programs for Low-Income Individuals | Medical Assistance (MA or Medicaid) and MinnesotaCare |
| Requirements for Medical Assistance | U.S. citizenship or qualifying non-citizen status, Social Security number, and lawful presence in the U.S. |
| Program for Minnesota Residents 65+ | MSHO, which combines Medical Assistance and Medicare with additional benefits and no monthly premium |
| Transportation Assistance | Minnesota Non-Emergency Transportation (MNET) provides transportation for medical appointments for those on Medical Assistance, eligible pregnant women, and children on MinnesotaCare |
| Health Care Programs | Minnesota Health Care Programs (MHCP) for individuals 21+ with Medicare coverage, long-term care services, and those seeking assistance to stay at home |
| Health Coverage Options | Minnesota Health Information Clearinghouse provides information on individual and family plans, small employer plans, COBRA and Minnesota continuation coverage, prescription drug coverage, Medicare coverage, and long-term care insurance |
| Individual Market Networks | MNsure allows individuals and families to compare and choose health insurance coverage, apply for financial assistance, and offers free in-person help through certified navigators and brokers |
| Counties in Service Area | Anoka, Benton, Carver, Dakota, Hennepin, Ramsey, Scott, Sherburne, Stearns, Washington, Wright, and more |
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What You'll Learn
Minnesota's health insurance marketplace
There are several health insurance programs in Minnesota for people with low incomes. Medical Assistance (also called MA or Medicaid) and MinnesotaCare are two such programs. To qualify for Medical Assistance, you must be a U.S. citizen or a qualifying non-citizen with a Social Security number, and meet certain income requirements. MinnesotaCare is a public program where you pay a premium based on family size and income.
For those 65 years old or older, there is a program called MSHO that combines Medical Assistance and Medicare into one plan. It provides additional perks and benefits, such as $0 copay for covered prescription drugs and no monthly premium.
For residents of Hennepin County, there are specific resources available. The Minnesota Health Care Programs (MHCP) offer applications for certain populations, including those with Medicare coverage, those who need long-term care services, and those who are disabled and need assistance to stay at home.
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Health insurance for low-income earners
Minnesota has several health insurance programs for low-income earners. These include:
Medical Assistance (MA)
Also known as Medicaid, this program is available to US citizens or qualifying noncitizens with very low incomes. It is paid for with federal and state dollars. To apply, you must call or go to the human service agency in the county where you live. You will need to fill out an application form and provide proof of information such as income. You can apply even if you are unsure of your eligibility. Once you get access to MA, it can take several months to get enrolled in a health plan. In the meantime, you can use a fee-for-service option, where you can go to any providers who accept MA, and the provider will bill the state directly.
MinnesotaCare
MinnesotaCare is a health care program for uninsured working Minnesotans who meet income and other eligibility guidelines. It is paid for with state and federal tax dollars, provider taxes, and premiums paid by enrollees. Enrollees pay a monthly premium based on family size, income, and the number of people covered. Children under 21 who meet a lower-income guideline pay a fixed premium of $4 a month. To apply, call (651) 297-3862 (Twin Cities Metro) or 1-800-657-3672 (toll-free).
Children's Health Insurance Program (CHIP)
CHIP provides medical and dental care for uninsured children and teens up to age 19. It is available to those whose income is too high for Medicaid but who still meet CHIP's income requirements. To apply, create an account with the Health Insurance Marketplace and fill out an application.
Low-Income Subsidy (LIS)
LIS, also known as "extra help," helps pay for Medicare Part D prescription drug premiums, co-pays, co-insurance, and deductibles for eligible individuals. To determine eligibility, visit the Social Security website or call Social Security at 1-800-772-1213.
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Medical transportation
Minnesota offers a range of non-emergency medical transportation services for those who need help getting to and from their medical appointments. These services are typically available to the elderly, disabled, pregnant women, and children with no other means of transportation.
Minnesota Non-Emergency Transportation (MNET)
Minnesota Non-Emergency Transportation (MNET) provides transportation assistance for those enrolled in Medical Assistance or MinnesotaCare. If you are enrolled in a managed health care plan, you can call your plan for transportation assistance. Reimbursement for mileage and parking expenses may also be available by calling MTM at 1-866-467-1724.
Arrowhead Transit
Arrowhead Transit provides non-emergency medical transportation services from all of its locations in the North East region of Minnesota, including North Branch, Grand Portage, International Falls, Bemidji, and Brainerd. This service is available to those with insured coverage, as well as the elderly and disabled. Medicare covers rides to medical appointments scheduled through this service.
Allina Health Emergency Medical Services
Allina Health Emergency Medical Services offers non-emergency medical transportation for residents of Greater Minnesota to and from medical care facilities in the Minneapolis/St. Paul metropolitan area. This includes ambulance and stretcher transportation for non-emergency patients who are too sick to ride in a wheelchair.
Special Transportation Services (STS)
According to MnDOT regulations, Special Transportation Services (STS) are provided to the elderly or disabled and are funded by financial assistance or grants from the state or federal government. Non-emergency medical transportation (NEMT) is a subset of STS and is subject to the same regulations and requirements, including standards for vehicle safety, driver qualifications, and insurance.
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Health insurance for the elderly
Medical Assistance (MA)
Also known as Medicaid, Medical Assistance is a program that provides health insurance for Minnesotans with very low incomes. It is jointly funded by the state and federal governments. MA does not require the payment of a monthly premium, although there may be small co-pays for some services, typically ranging from $1 to $3. To qualify for MA, individuals must meet certain eligibility requirements, including being a U.S. citizen or a qualifying noncitizen and having a Social Security number. MA is available for those aged 65 or older, as well as people who are blind or have a disability. Applications for MA can be made through the Minnesota Department of Human Services (DHS) or by contacting the human service agency in the county of residence.
MinnesotaCare
MinnesotaCare is another program offered by the DHS for Minnesotans with low incomes who do not have access to affordable health care coverage. It may require the payment of a monthly premium, which is based on household size and income. MinnesotaCare members may also have small co-pays for certain services. To determine eligibility for MinnesotaCare, individuals can use the MNsure plan comparison tool or refer to the income guidelines. Applications can be made through MNsure, and assistance is available from certified navigators based in community organizations.
Medicare
Medicare is a federal health insurance program for Americans aged 65 and over, as well as certain individuals with disabilities. The Low-Income Subsidy (LIS) or "extra help" program assists eligible individuals in paying for Medicare Part D prescription drug premiums, co-pays, co-insurance, and deductibles. To determine eligibility for LIS, individuals can refer to the Social Security website or contact Social Security or the Minnesota Senior LinkAge Line.
MSHO Plan
The MSHO plan combines Medical Assistance and Medicare into a single plan for Minnesota residents aged 65 and above. It offers additional benefits, including no monthly premiums, $0 copays for covered services from in-network providers, and no cost for covered prescription drugs.
General Information
When applying for health coverage through MNsure, individuals can select the option with financial help to determine their eligibility for no-cost or low-cost coverage through programs like MA and MinnesotaCare. MNsure also provides assistance in choosing and enrolling in comprehensive health coverage plans and is the only place to receive financial aid to reduce insurance costs.
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Health insurance for families
Minnesota's health insurance marketplace, MNsure, allows individuals and families to shop, compare, and choose health insurance coverage that meets their needs. There are many health insurance options in Minnesota at various price points, including short-term gap coverage.
Health insurance plans in Minnesota include Affordable Care Act (ACA) insurance and other individual insurance plans. For instance, Health ProtectorGuard fixed indemnity insurance, underwritten by the Golden Rule Insurance Company, helps with the cost of covered medical services, such as doctor visits and prescriptions. Hospital insurance, also underwritten by the Golden Rule Insurance Company, pays cash benefits for qualifying hospital stays and related medical costs.
UnitedHealthcare offers health insurance plans for a range of ages, health care needs, and budgets, including Medicare and Medicaid plans. Supplemental plans can provide coverage for care and services that aren't covered by your primary medical plan.
For those with low incomes, there are low-cost or no-cost health insurance plans. Medical Assistance (also called MA or Medicaid) and MinnesotaCare are health insurance programs for people with low incomes. To qualify for Medical Assistance in Minnesota, you must be a U.S. citizen or qualifying noncitizen with a Social Security number, and be lawfully present in the U.S. The MSHO plan is available for Minnesota residents 65 years old or older, combining Medical Assistance and Medicare into one plan with extra perks and benefits.
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Frequently asked questions
MNsure is Minnesota's health insurance marketplace where individuals and families can shop, compare and choose health insurance coverage that meets their needs.
To qualify for Medical Assistance (Medicaid) in Minnesota, you must be a U.S. citizen or qualifying non-citizen, have a Social Security number, and be lawfully present in the U.S.
MinnesotaCare is a public program where you pay a premium based on family size and income. It is a health insurance program for people with low incomes.
You can apply for health insurance through MNsure, Minnesota's health insurance marketplace. You can also apply for Minnesota health care programs (MHCP) through Hennepin County if you are 21 or older, with no dependents, and have Medicare coverage.
In addition to the individual and family plans offered by MNsure, Minnesota offers Medicaid (Medical Assistance) and MinnesotaCare for low-income individuals. Minnesota also has COBRA and Minnesota continuation coverage, as well as long-term care insurance.
