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Turned Down for Health Insurance?


One:  Check with MCHA

If you have been turned down for health insurance in the private market, the Minnesota Comprehensive Health Association (MCHA) may be able to provide you with health insurance coverage.

Since 1977, MCHA has served as an insurance safety net for Minnesotans who have been turned down for individual health insurance due to pre-existing conditions. There are many different circumstances that cause Minnesotans to turn to MCHA. These circumstances include, among others:

  • Self-employed individuals who want insurance but are rejected due to pre-existing conditions
  • Individuals who exhaust COBRA benefits
  • HIPAA eligible persons (generally, persons leaving employer group coverage)
  • Spouses and dependents of employees whose employer does not offer dependent health care coverage
  • Individuals eligible under the Trade Adjustment Assistance (TAA), alternative TAA, or Pension Benefit Guaranty Corporation (PBGC)
  • Changes in self-insured employer or union plans (changes in benefits, cancellation of benefit plans, or coverage for retirees under 65 year of age)
  • Persons reaching lifetime maximums in their insurance policies
  • Persons reaching lifetime maximums in their employer's self-insured plans
  • Individuals working for employers who do not offer health insurance benefits
  • Individuals laid off or terminated by self-insured employers who do not offer conversion policies
  • People waiting for employer coverage while fulfilling probationary employment period
  • People who had individual health coverage or group coverage that was cancelled by their insurance company
  • Former employees of bankrupt companies
  • Former insured's of HMOs or insurance companies that become insolvent
  • Recipients of the Minnesota Health Department's "Minnesota Children With Special Needs" program
  • Some recipients of Ryan White funding


Detailed information is available at the MCHA website.

If you would like to speak with an insurance investigator after reviewing the MCHA information, please call 651-296-2488 or 800-657-3602 or e-mail the Department of Commerce Consumer Response Team at enforcement@state.mn.us.

Two: Federal High-Risk Pools

The U.S. Department of Health and Human Services is taking applications for the federally-run Pre-Existing Condition Insurance Plan (PCIP).  Minnesotans with pre-existing conditions who have been uninsured for at least six months can find more information here: https://www.pcip.gov/ .

Three: Additional Resources

The Minnesota Department of Human Services provides information on their website about who is currently eligible for Minnesota public health care programs including Medical Assistance (Minnesota's Medicaid program).