Getting coverage through the Healthy Minnesota Contribution Program

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How do I get coverage?

To get health insurance coverage in the private market you must choose health insurance, apply and be approved by the health insurance company. This program only helps pay premiums for certain health insurance. Coverage begins after the health insurance company approves your application and you pay the premium.

Health insurance companies require you to apply for health insurance and go through an underwriting process to see if you are approved. Underwriting is the review of your application and health history. This process can take 30 to 60 days. You cannot get coverage until the health insurance company approves you.

What happens if a health insurance company turns me down?

You may be able to get coverage through the Minnesota Comprehensive Health Association (MCHA). MCHA may be an option if you have a pre-existing health condition. For help deciding if you need to apply to MCHA because of a pre-existing health condition, contact an insurance agent.

How much will the program pay toward my health insurance premiums?

The amount the program pays depends on your age and household income. The amount may change when your age or household income changes. The program pays a higher amount for coverage through MCHA because MCHA coverage usually costs more. You will get a notice telling you how much the program will pay.

The table below gives you an idea of how much the program will pay.

What do I have to pay?

If the monthly premium for the health insurance you buy costs more than the amount the program pays, you pay the difference.

Example: You choose to buy health insurance that has a $300 monthly premium. Based on your age and income, the program will pay $200 each month. You will pay $100 each month.

What happens if I do not pay my share of the premium to the health insurance company?

If you do not pay your share of the premium, you cannot get help from the Healthy Minnesota Contribution Program for 4 months. You also cannot get help from the program for four months if you ask the health insurance company to end your coverage.

Contact us

For questions about the Healthy Minnesota Contribution Program:
Call the Health Care Access Line at 651-431-2283 or 800-657-3629 (toll free from outside the Twin Cities area)
For questions about covered services, deductibles and copays:
Call your insurance agent or insurance company