- Overview Of Health Insurance In Minnesota
- Finding Health Coverage In Minnesota
- Minnesota Medical Insurance Numbers
- Is Health Insurance Mandatory In Minnesota?
Overview Of Health Insurance In Minnesota
Minnesota, nicknamed the Land of 10,000 Lakes even though it has more than that, is known for its 90,000 miles of shoreline, the home of musical legends Prince and Bob Dylan, and its love of hockey. As the 32nd state to be admitted into the union, Minnesota is the 22nd most populous, and 12th in terms of total area.
The Land of 10,000 Lakes is also home to one of the healthiest populations in the nation. Finding themselves at the number 5 spot in the national health rankings, Minnesota residents definitely embody what it means to be healthy. However, there is always room for improvement, which is true for every state in the county. So, if you’re looking to take better care of yourself, here’s what you need to know.
Finding Health Coverage In Minnesota
There’s no question the people have become more conscious of their health over the years, but many seem to neglect one of the most important aspects. When you think of leading a healthy life, the first things that come to mind are eating right and staying active, but that only accounts for half the battle. Health insurance plays a key role in health, and here’s why.
Health insurance provides access to routine medical services that you may not take advantage of otherwise. For example, when you’re enrolled in one of Minnesota’s many comprehensive health insurance plans, you’ll have access to preventive services and a primary care physician for little to no cost. Both of these services play a crucial part in keeping us healthy, but are often avoided by the uninsured for fear of high medical bills. If you don’t have health insurance, or are looking for better coverage, here’s where to start.
Minnesota Open Enrollment Dates
Minnesota’s Open Enrollment Period is the one time during the year that residents can enroll in affordable and comprehensive health insurance plans without being denied coverage. When the Affordable Care Act passed, it gave states the option to either create their own marketplace, which Minnesota did, or participate in the federal exchange. Since it was one of the few states to create their own marketplace, Minnesota’s Open Enrollment Period is longer than most, and runs through the following dates:
- November 1, 2018 - January 13, 2019
For many, Minnesota’ health insurance marketplace will be the best place to start their search because of the following reason. When health insurance companies choose to offer their plans through the exchange, they have to adhere to certain standards and regulations, which includes not being able to deny coverage or charge higher premiums based on medical history. That means if you or anyone else on the policy has a pre-existing or chronic health condition, you’ll be able to enroll without and trouble.
Another thing to keep in mind is that Minnesota’s marketplace is where you can apply for subsidized health coverage. Meaning, depending on your income level, you may qualify for government subsidies or premium tax credits that will help you pay for your healthcare costs. This is also where you can go to qualify for Medicaid in Minnesota.
Minnesota Health Insurance Quotes
The Affordable Care Act (ACA) was a bit divisive when it became law. On the one hand, it afforded health insurance to millions of Americans for the first time. On the other hand, it priced out a lot of middle class families who didn’t qualify for subsidies, which is why there is a growing trend of people turning to the private sector to find plans they can afford.
FirstQuote Health specializes in helping residents find the cheapest and most affordable health insurance quotes in Minnesota without giving up quality. Plans and pricing varies by where you live, so by entering your zip code you’ll be able to see the most accurate quotes in your area. You can even speak with a licensed agent, and get covered as early as today.
Coverage From Minnesota’s Best Health Insurance Companies
If you’re already happy with your current coverage, or have a company in mind, then you can choose to enroll with one of the best health insurance companies in Minnesota directly. Minnesota has tons of reputable providers to choose from, and you can also avoid the hassle of shopping around. Some of the most popular options include the following:
- Blue Cross Blue Shield of Minnesota
Before enrolling with one of Minnesota’s top health insurance companies, it’s important to point out some of the drawbacks. When you choose not to compare quotes, you may end up paying too much for your coverage since you’re limiting the options you have to choose from. Remember, just because a provider is reputable and recognizable, doesn’t mean it will be the best fit for you.
If you’re still planning to enroll with a specific company, it doesn’t hurt to do a bit of research. You easily search for reviews online and see what past and current members are saying about their experience. You can also visit trusted review sites, like FirstQuote Health, to learn more about different companies.
Minnesota Medical Insurance Numbers
Is Health Insurance Mandatory In Minnesota?
Starting in 2019, health insurance is no longer mandatory in Minnesota, but that may not be the case for long. When the Affordable Care Act (Obamacare) passed, it created the individual mandate, a controversial piece of legislation that forced every American to enroll in health insurance or face a tax penalty. The goal was to increase the risk pool, which was needed in order to make Obamacare work. However, the mandate was met with fierce backlash by opposing parties.
When President Trump took office, healthcare reform was a top priority. After promising to repeal and replace Obamacare, and a few unsuccessful attempts, he decided to take a different approach. Trump signed an executive order eliminating the federal individual mandate starting in 2019, which was an attempt to undermine the ACA. However, some state fought back by creating their own versions of the mandate. While Minnesota was not one of those states, it is currently deciding whether or not it will take similar measures.