About MCHA

For over 35 years, the Minnesota Comprehensive Health Association (MCHA) offered individual health insurance to Minnesota residents who were turned down in the private marketplace because they had a pre-existing health condition.  In 1976, the Minnesota State Legislature created MCHA, a non-profit organization, to provide access to health insurance coverage for Minnesota residents with no other options. MCHA is regulated by the Minnesota Department of Commerce, and is guided by an eleven-member board of directors. The executive staff manages the plan’s administration, day-to-day operations and contract with Medica.

MCHA enrollment is now closed.  As of Jan. 1, 2014, insurance companies can no longer deny applicants because of a pre-existing health condition. MCHA enrollees are now guaranteed coverage for the same premium as others in their age group.

As a result, MCHA is no longer needed and ended enrollee coverage on December 31, 2014.

The vast majority of MCHA’s enrollees found new health insurance coverage during the fall open enrollment period.  Whether through MNsure, a broker or agent or directly from a plan, Minnesotans with pre-existing health conditions can shop around to find the coverage that best fits their needs and budgets.