December 1, 2022
A Word from the CEO
MNsure is wrapping up our fifth week of open enrollment, and I’m happy to report that we’ve helped thousands of Minnesotans sign up for comprehensive 2023 health coverage.
If you’re looking for health insurance, please don’t wait until the last minute. While open enrollment runs through January 15, you have to enroll in a plan by December 15 if you want coverage to start at the beginning of 2023.
Visit MNsure.org to get a quick estimate on your savings, and see what plans are available to you.
No matter if this is your first time enrolling or if you are returning to shop, we are here to help you through the process. Our broker and navigator partners are expertly trained to answer your questions so you can feel confident that you’re getting the right plan, at the right price, when you enroll through MNsure.
And, if you have family or friends who need insurance, please spread the word so they can get coverage for next year.
Nate Clark, MNsure CEO
New Coverage Option for Young Adults
Young adults can stay on their parents’ health insurance plan until age 26, unless they have access to coverage through their employer.
Starting in 2023, they will have the option to be enrolled in their parents’ plan the entire year in which they turn 26, if the family’s coverage was purchased through MNsure, rather than only until the end of their birth month.
They can then enroll in their own coverage during the open enrollment period for the following year.
Picking a Plan: Understanding Health Care Costs
While you are comparing plans, make sure to consider more than the monthly premiums. With private health insurance, you may have costs when you have a doctor appointment or get other health care.
- Deductible: The amount you must pay out of pocket for covered health care services before your insurance plan begins to pay. (The deductible may not apply to all services.)
- Co-pay: A fixed amount you pay for a covered health care service, usually when you receive the service. The amount can vary by the type of covered health care service.
- Co-insurance: Your share of the costs of a covered health care service, calculated as a percentage of the allowed amount for the service. You pay co-insurance plus any deductibles you owe. For example, if the plan’s allowed amount for an office visit is $100 and you’ve met your deductible, your co-insurance payment of 20% would be $20.
All health insurance plans sold through MNsure must cover a set of preventive care services at no cost to you — these services are free if you use a provider in your health plan’s network.
If you have questions about your coverage, call your insurance company to get help.
Enrollment Help Available
Medical Assistance and MinnesotaCare Enrollees: Keep Your Contact Info Up to Date
Don’t risk a gap in your health coverage. If you are enrolled in Medical Assistance or MinnesotaCare, it’s important to keep your contact information updated so you can be reached when it’s time to renew.
If you’ve moved in the past three years or you will be moving soon, please update your address, phone number and email today. Visit mn.gov/dhs/mycontactinfo to learn more.
Advisory Committee Openings
MNsure is seeking applicants to fill open seats on the Consumer and Small Employer Advisory Committee and the Health Industry Advisory Committee. The deadline to apply is 5 p.m. on Friday, December 16.