You are not alone in finding new coverage. Everyone from the State of Minnesota and community organizations to health insurance agents and private insurance companies can provide you assistance in looking for a new insurance plan. Ultimately, the decision is yours, but many resources are available to you. Below, you will find a resource list with organizations that you can contact for help and guidance.

Health Insurance Agents
You can choose to work with a licensed health insurance agent who can make recommendations and help you purchase a health plan in the private insurance marketplace.

Agents provide their services at no cost to their clients. The premiums you pay for your coverage is the same whether or not an agent assists you. Most insurance companies build the agent compensation into their premiums. While not all agents represent every insurance company in the market, Minnesota law requires that they disclose which companies contract with them. Do your homework and ask who they represent.

MNsure is an online health insurance marketplace where you can compare and purchase health plans, and apply for a premium subsidy, if eligible.  Enrollees who fell below 400% of the federal poverty level can be eligible for a subsidy to help with premiums and cost-sharing.

In 2015, five Minnesota insurance companies offer plans on the website: Blue Cross Blue Shield, HealthPartners, Medica, Preferred One, and UCare. If you are eligible for either Medical Assistance (Medicaid) or MinnesotaCare, you can enroll in these public programs through MNsure at any time.
Contact Center: 1-855-366-7873 
(Hours: 8 a.m.—6p.m., M–F)

The State of Minnesota certified hundreds of community navigators to help with MNsure enrollment.  A navigator’s primary role is to educate you about your health plan options and guide you through the process. Most navigators are affiliated with non-profit organizations and are not licensed to advise their clients on selecting a plan.

State of Minnesota Medicare and Disability Resources
Purchasing a Medicare plan can be confusing.  The state’s Senior Linkage Line can answer your questions, whether you need information about a supplement, cost or advantage plan.  Medicare’s Annual Election Period runs from October 15-December 7, 2014.  You can enroll in A Medicare Cost, Advantage or Part B plan at that time.  Supplemental coverage enrollment begins when you receive your MCHA termination of coverage letter this fall.

Senior Linkage Line

If you have a disability and need help choosing a health plan, call the state’s Disability Line can help.  You don’t have to be certified as disabled to call.

Disability Line

Minnesota’s Top Health Insurance Companies
You can apply for coverage directly with a health insurance company. Their customer service representatives can assist you in choosing and comparing the plans that they have available.  The major companies selling private health insurance in Minnesota are listed below.

Blue Cross Blue Shield of Minnesota
[Press 3 for Medicare plans]

800-247-7015 for Medicare plans

952-992-7027 for Medicare plans


Health Care Reform Resources
For more information about health care reform, refer to the following sites:

MCHA Enrollee Transition Plan and Timeline

State of Minnesota/Health Care Reform

Department of Health and Human Service/Health Reform