Why is it important to have health insurance?

Having health insurance can help you and your family to stay healthy. If you are in an accident or you get sick, it can be very expensive if you do not have health insurance. Many people get health insurance through their employer, but if your employer doesn’t offer insurance or the insurance offered is not affordable, you may be able to get insurance through MNsure.

MNsure has three programs: 

• Medical Assistance (MA)
• MinnesotaCare (MNCare)
• Qualified Health Plans (QHP)

Which program you qualify for depends on how many people live with you and how much money your household earns. Let’s discuss the basics of each program.

Medical Assistance (MA)

• No monthly premium.
• No deductible.
• Some co-pays, typically low cost.
• Covers medical, mental health, dental, hearing aids and vision.

MinnesotaCare

• Low to no monthly premium. 
• No deductible.
• Some co-pays, typically low cost.
• Covers medical, mental health, dental, hearing aids and vision. 

Qualified Health Plans

• Monthly premiums are based on household size and plan selected.
• Dental plans are available in addition to medical plans.
• Co-pays and deductibles may apply, depending on the plan you choose. 

MNsure Navigators can help!

If you are not sure how to get started, a MNsure Navigator can help! MNsure Navigators are local, trusted experts in your community. A navigator can help you fill out your application and get health insurance. They can also help with health insurance renewals and other questions related to your health insurance. You can work with MNsure Navigators for free. 

The Deaf, Deafblind and Hard of Hearing State Services Division can connect you with MNsure Navigators who are fluent in American Sign Language.  
You can also search for a navigator by county, language or other criteria using the MNsure Assister Directory. Go to mnsure.org and click on the Assister Directory button. 

If you have questions about connecting with a navigator, you can contact us.

Video presents this information in American Sign Language with English voiceover and English captions.