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Health Reform 101 – Help is Available for You to Find and Enroll in Coverage

September 09, 2013

For Immediate Release:

SAINT PAUL, MN – If you’ve never bought health insurance or you want to change your plan, you may want to know who you can rely on to help you. There are many resources available to help you choose and enroll in a health plan, including brokers (also called agents) and navigators. Brokers and navigators provide different types of assistance.

How Can a Broker or Agent Help? A broker or agent can help you or your small business decide on the right plan at the right price. Brokers and agents can give you advice on a specific plan for you based on your needs. They are paid by the insurance company or companies they represent, and can help you buy a health plan even if you do not choose to enroll through MNsure (Minnesota’s online health insurance marketplace).

How Can a Navigator Help? A navigator can only provide you with application and enrollment help if you buy your coverage through MNsure. They can provide impartial information about the health plans available to you, but they cannot recommend a specific health plan. If you need help deciding on the right plan, they may refer you to a broker or agent.

Most people who can help you buy insurance are ethical and honest. If you do feel pressured or uneasy about your purchase, don’t be afraid to go slow and ask questions. Remember that you are not required to buy health insurance through MNsure or from any specific company.

The Minnesota Department of Commerce is here to help.

Call our Consumer Response Team at 651-539-1600 or toll-free at 1-800-657-3602 (in Greater Minnesota) if you have any questions about your insurance or if you believe you have been a victim of a scam or fraud.