Minnesota

Written By Jerdon Johnston

Minnesota Citizen Guide to Healthcare Options

Navigating healthcare coverage in Minnesota can be complex, but the state provides various programs to ensure residents have access to quality care. Whether you are uninsured, underinsured, or looking for financial assistance, this guide outlines the key healthcare options available.

Who Needs This Guide?

  • You are uninsured or struggling to afford health insurance.

  • You want to explore healthcare coverage options in Minnesota.

  • You need financial assistance for medical costs.

  • You want to maximize the benefits of your current healthcare plan.

Key Healthcare Programs in Minnesota

1. Medicaid & MinnesotaCare

  • Who Qualifies? Low-income individuals, families, pregnant women, children, and people with disabilities.

  • What It Covers? Doctor visits, hospital care, prescriptions, preventive services, and more.

  • How to Apply? Visit Minnesota’s Medicaid website or apply through the federal marketplace.

2. Affordable Care Act (ACA) Plans

  • Who Qualifies? Anyone who doesn’t receive insurance through an employer, Medicare, or Medicaid.

  • What It Covers? Comprehensive health benefits, including preventive care, emergency services, and mental health care.

  • How to Apply? Visit MNsure to compare and enroll in ACA plans.

3. Medicare

  • Who Qualifies? Individuals 65+ or those with certain disabilities.

  • What It Covers? Hospital stays (Part A), doctor visits (Part B), and optional prescription drug coverage (Part D).

  • How to Apply? Visit Medicare.gov.

4. Employer-Sponsored Health Insurance

Many employers in Minnesota offer group health insurance plans, often covering a portion of the premium. If you have a job, check with your employer about available health benefits. COBRA may also be available for those who recently lost job-based insurance.

5. Short-Term & Supplemental Health Plans

These plans provide temporary coverage or fill gaps in traditional insurance. Options include:

  • Short-term health plans for temporary needs.

  • Accident or critical illness insurance to help cover unexpected medical expenses.

Financial Assistance Programs

💰 Premium Tax Credits – Reduce the cost of ACA marketplace plans.
💰 Cost-Sharing Reductions – Lower out-of-pocket costs for qualifying individuals.
💰 State-Specific Assistance Programs – MinnesotaCare provides subsidized coverage for eligible residents.

Where to Get Help

✔ MNsure – Compare and enroll in ACA plans.
✔ Minnesota Department of Human Services – Apply for Medicaid or MinnesotaCare.
✔ Local Community Health Centers – Access low-cost or free healthcare services.
✔ Tsunami Advisors – Personalized guidance to find the best plan for your needs.

➡ Need Help? Schedule a free consultation with a Tsunami Advisor today!

 
Jerdon Johnston