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Minnesota Health Insurance

Health insurance is now usually available in two broad categories: individual and group. Individual insurance mainly caters to those who are self-employed, or are employed by a company that does not have a health plan, or who have a family and who want individual insurance for their family members. When one buys an individual plan, he/she must pay a yearly premium as well as a deductible for each insured dependent, up to a base amount. If one goes for a group policy, he/she has to pay an annual premium, co-payments payable at each medical service, and a deductible payable before insurance starts paying for his/her eligible medical bills.

Minnesota allows an insurance company to deny your application for individual health insurance due to medical problem. If you have had treatment for a health problem in the six months prior to individual coverage, the insurer is well within its rights to impose an exclusion period not exceeding one year. Attachment of elimination riders to an individual policy for pre-existing conditions is not allowed. Existence of a health problem can increase the premiums of individual policies, but no policy can be cancelled on account of sickness. Conversion policies are available in case you switch jobs and if you have had fully insured group coverage in your prior position.

If you are qualified for group insurance in Minnesota, you cannot be turned away because of health problems. In case you take up a new job, the new employer can wait to offer you group health coverage. If you have a pre-existing condition, a new insurer can apply an exclusion of that condition from coverage for the first one year of the group plan. If you maintained continuous creditable coverage without a lapse for a minimum of 63 days, you are entitled to credit coverage for the exclusion period on your pre-existing condition. An insurer can review your past medical history for the prior six months before coverage.

Small employers with staff strength of two to 50 in Minnesota cannot be denied small group health insurance and it cannot be cancelled if someone in the group falls sick. However, the price of the premium can go up depending on a number of conditions of the group. Minnesota refuses group health insurance to the self-employed. For affiliation through a business or professional organization, you can get in touch with the Minnesota Division of Insurance for regulations.

As regards programs, Minnesota Comprehensive Health Association assists residents who need expensive treatment. Medicaid is available for residents with low to moderate incomes. MinnesotaCare is also a state program that helps with insurance coverage.

You should do a proper homework before choosing the right health insurance quotes for you. However, it makes a lot of sense if you engage professional health insurance agents and brokers in this job as they are known experts in this field.

Some health insurance providers in Minnesota are Assurant Health (formerly Fortis), Blue Cross and Blue Shield of Minnesota, HealthPartners, Medica and Security Life.

 

 

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To find US News rankings of a Michigan Health Insurance Plan, Click the logo:

An annual guide is provided by US News to what it considers the best health insurance plan(s) in each state. Click through the pages on a Minnesota health insurance plan or Minnesota medical insurance plan to view specific reports.

 

You can contact your Minnesota-elected officials about health care issues:

On national level

On state level

 

Specific Minnesota Information on Federal Government sites

 

Health Insurance Information on Official State of Minnesota Sites

  • State of Minnesota Department of Health – The State of Minnesota's department of health provides information on health insurance.
  • Office of Attorney General Mike Hatch -- Heatlh care information and resources for health insurance consumers from the state's attorney general.
  • MinnesotaCare –Basic health care coverage for low-income Minnesotans through publicly subsidized health care assistance program.
  • Medicaid -- Facts on Minnesota and Medicaid.
  • Free mammogram screening and follow-up services to uninsured and underinsured women
  • Who's Who in Health Care -- A resource Guide for Minnesotans provides an introduction to health care insurance, and more specifically managed care. It provides an overview of what managed care is and what techniques are used to "manage" health care.

 

Health insurance can be purchased in these Minnesota Counties: Aitkin County, Anoka County, Becker County, Beltrami County, Benton County, Big Stone County, Blue Earth County, Brown County, Carlton County, Carver County, Cass County, Chippewa County, Chisago County, Clay County, Clearwater County, Cook County, Cottonwood County, Crow Wing County, Dakota County, Dodge County, Douglas County, Faribault County, Fillmore County, Freeborn County, Goodhue County, Grant County, Hennepin County, Houston County, Hubbard County, Isanti County, Itasca County, Jackson County, Kanabec County, Kandiyohi County, Kittson County, Koochiching County, Lac qui Parle County, Lake County, Lake of the Woods County, Le Sueur County, Lincoln County, Lyon County, McLeod County, Mahnomen County, Marshall County, Martin County, Meeker County, Mille Lacs County, Morrison County, Mower County, Murray County, Nicollet County, Nobles County, Norman County, Olmsted County, Otter Tail County, Pennington County, Pine County, Pipestone County, Polk County, Pope County, Ramsey County, Red Lake County, Redwood County, Renville County, Rice County, Rock County, Roseau County, St Louis County, Scott County, Sherburne County, Sibley County, Stearns County, Steele County, Stevens County, Swift County, Todd County, Traverse County, Wabasha County, Wadena County, Waseca County, Washington County, Watonwan County, Wilkin County, Winona County, Wright County and Yellow Medicine County.
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Health insurance can be purchased from various cities in Minnesota: Ada, Adams, Adrian, Afton, Aitkin, Akeley, Albany, Alberta, Albert Lea, Albertville, Alden, Aldrich, Alexandria, Alpha, Altura, Alvarado, Amboy, Andover, Annandale, Anoka, Appleton, Apple Valley, Arco, Arden Hills, Argyle, Arlington, Ashby, Askov, Atwater, Audubon, Aurora, Austin, Avoca, Avon, Babbitt, Backus, Badger, Bagley, Balaton, Barnesville, Barnum, Barrett, Barry, Battle Lake, Baudette, Baxter, Bayport, Beardsley, Beaver Bay, Beaver Creek, Becker, Bejou, Belgrade, Bellechester, Belle Plaine, Bellingham, Beltrami, Belview, Bemidji, Bena, Benson, Bertha, Bethel, Bigelow, Big Falls, Bigfork, Big Lake, Bingham Lake, Birchwood Village, Bird Island, Biscay, Biwabik, Blackduck, Blaine, Blomkest, Blooming Prairie, Bloomington, Blue Earth, Bluffton, Bock, Borup, Bovey, Bowlus, Boyd, Boy River, Braham, Brainerd, Brandon, Breckenridge, Breezy Point, Brewster, Bricelyn, Brooklyn Center, Brooklyn Park, Brook Park, Brooks, Brookston, Brooten, Browerville, Brownsdale, Browns Valley, Brownsville, Brownton, Bruno, Buckman, Buffalo, Buffalo Lake, Buhl, Burnsville, Burtrum, Butterfield, Byron, Caledonia, Callaway, Calumet, Cambridge, Campbell, Canby, Cannon Falls, Canton, Carlos, Carlton, Carver, Cass Lake, Cedar Mills, Center City, Centerville, Ceylon, Champlin, Chandler, Chanhassen, Chaska, Chatfield, Chickamaw Beach, Chisago City, Chisholm, Chokio, Circle Pines, Clara City, Claremont, Clarissa, Clarkfield, Clarks Grove, Clearbrook, Clear Lake, Clearwater, Clements, Cleveland, Climax, Clinton, Clitherall, Clontarf, Cloquet, Coates, Cobden, Cohasset, Cokato, Cold Spring, Coleraine, Cologne, Columbia Heights, Comfrey, Comstock, Conger, Cook, Coon Rapids, Corcoran, Correll, Cosmos, Cottage Grove, Cottonwood, Courtland, Cromwell, Crookston, Crosby, Crosslake, Crystal, Currie, Cuyuna, Cyrus, akota, Dalton, Danube, Danvers, Darfur, Darwin, Dassel, Dawson, Dayton, Deephaven, Deer Creek, Deer River, Deerwood, De Graff, Delano, Delavan, Delhi, Dellwood, Denham, Dennison, Dent, Detroit Lakes, Dexter, Dilworth, Dodge Center, Donaldson, Donnelly, Doran, Dover, Dovray, Duluth, Dumont, Dundas, Dundee, Dunnell, Eagan, Eagle Bend, Eagle Lake, East Bethel, East Grand Forks, East Gull Lake, Easton, Echo, Eden Prairie, Eden Valley, Edgerton, Edina, Effie, Eitzen, Elba, Elbow Lake, Elgin, Elizabeth, Elko, Elk River, Elkton, Ellendale, Ellsworth, Elmdale, Elmore, Elrosa, Ely, Elysian, Emily, Emmons, Erhard, Erskine, Evan, Evansville, Eveleth, Excelsior, Eyota, Fairfax, Fairmont, Falcon Heights, Faribault, Farmington, Farwell, Federal Dam, Felton, Fergus Falls, Fertile, Fifty Lakes, Finlayson, Fisher, Flensburg, Floodwood, Florence, Foley, Forada, Forest Lake, Foreston, Fort Ripley, Fosston, Fountain, Foxhome, Franklin, Frazee, Freeborn, Freeport, Fridley, Frost, Fulda, Funkley, Garfield, Garrison, Garvin, Gary, Gaylord, Gem Lake, Geneva, Genola, Georgetown, Ghent, Gibbon, Gilbert, Gilman, Glencoe, Glenville, Glenwood, Glyndon, Golden Valley, Gonvick, Goodhue, Goodridge, Good Thunder, Goodview, Graceville, Granada, Grand Marais, Grand Meadow, Grand Rapids, Granite Falls, Grant, Grasston, Greenbush, Greenfield, Green Isle, Greenwald, Greenwood, Grey Eagle, Grove City, Grygla, Gully, Hackensack, Hadley, Hallock, Halma, Halstad, Hamburg, Ham Lake, Hammond, Hampton, Hancock, Hanley Falls, Hanover, Hanska, Harding, Hardwick, Harmony, Harris, Hartland, Hastings, Hatfield, Hawley, Hayfield, Hayward, Hazel Run, Hector, Heidelberg, Henderson, Hendricks, Hendrum, Henning, Henriette, Herman, Hermantown, Heron Lake, Hewitt, Hibbing, Hill City, Hillman, Hills, Hilltop, Hinckley, Hitterdal, Hoffman, Hokah, Holdingford, Holland, Hollandale, Holloway, Holt, Hopkins, Houston, Howard Lake, Hoyt Lakes, Hugo, Humboldt, Hutchinson, Ihlen, Independence, International Falls, Inver Grove Heights, Iona, Iron Junction, Ironton, Isanti, Isle, Ivanhoe, Jackson, Janesville, Jasper, Jeffers, Jenkins, Johnson, Jordan, Kandiyohi, Karlstad, Kasota, Kasson, Keewatin, Kelliher, Kellogg, Kennedy, Kenneth, Kensington, Kent, Kenyon, Kerkhoven, Kerrick, Kettle River, Kiester, Kilkenny, Kimball, Kinbrae, Kingston, Kinney, La Crescent, Lafayette, Lake Benton, Lake Bronson, Lake City, Lake Crystal, Lake Elmo, Lakefield, Lake Henry, Lakeland, Lakeland Shores, Lake Lillian, Lake Park, Lake St. Croix Beach, Lake Shore, Lakeville, Lake Wilson, Lamberton, Lancaster, Landfall, Lanesboro, Laporte, La Prairie, La Salle, Lastrup, Lauderdale, Le Center, Lengby, Leonard, Leonidas, Le Roy, Lester Prairie, Le Sueur, Lewiston, Lewisville, Lexington, Lilydale, Lindstrom, Lino Lakes, Lismore, Litchfield, Little Canada, Little Falls, Littlefork, Long Beach, Long Lake, Long Prairie, Longville, Lonsdale, Loretto, Louisburg, Lowry, Lucan, Luverne, Lyle, Lynd, Mabel, McGrath, McGregor, McIntosh, McKinley, Madelia, Madison, Madison Lake, Magnolia, Mahnomen, Mahtomedi, Manchester, Manhattan Beach, Mankato, Mantorville, Maple Grove, Maple Lake, Maple Plain, Mapleton, Mapleview, Maplewood, Marble, Marietta, Marine on St. Croix, Marshall, Mayer, Maynard, Mazeppa, Meadowlands, Medford, Medicine Lake, Medina, Meire Grove, Melrose, Menahga, Mendota, Mendota Heights, Mentor, Middle River, Miesville, Milaca, Milan, Millerville, Millville, Milroy, Miltona, Minneapolis, Minneiska, Minneota, Minnesota City, Minnesota Lake, Minnetonka, Minnetonka Beach, Minnetrista, Mizpah, Montevideo, Montgomery, Monticello, Montrose, Moorhead, Moose Lake, Mora, Morgan, Morris, Morristown, Morton, Motley, Mound, Mounds View, Mountain Iron, Mountain Lake, Murdock, Myrtle, Nashua, Nashwauk, Nassau, Nelson, Nerstrand, Nevis, New Auburn, New Brighton, Newfolden, New Germany, New Hope, New London, New Market, New Munich, Newport, New Prague, New Richland, New Trier, New Ulm, New York Mills, Nicollet, Nielsville, Nimrod, Nisswa, Norcross, North Branch, Northfield, North Mankato, North Oaks, Northome, Northrop, North St. Paul, Norwood Young America, Oakdale, Oak Grove, Oak Park Heights, Odessa, Odin, Ogema, Ogilvie, Okabena, Oklee, Olivia, Onamia, Ormsby, Orono, Oronoco, Orr, Ortonville, Osakis, Oslo, Osseo, Ostrander, Otsego, Ottertail, Owatonna, Palisade, Parkers Prairie, Park Rapids, Paynesville, Pease, Pelican Rapids, Pemberton, Pennock, Pequot Lakes, Perham, Perley, Peterson, Pierz, Pillager, Pine City, Pine Island, Pine River, Pine Springs, Pipestone, Plainview, Plato, Pleasant Lake, Plummer, Plymouth, Porter, Preston, Princeton, Prinsburg, Prior Lake, Proctor, Quamba, Racine, Ramsey, Randall, Randolph, Ranier, Raymond, Red Lake Falls, Red Wing, Redwood Falls, Regal, Remer, Renville, Revere, Rice, Richfield, Richmond, Richville, Riverton, Robbinsdale, Rochester, Rock Creek, Rockford, Rockville, Rogers, Rollingstone, Ronneby, Roosevelt, Roscoe, Roseau, Rose Creek, Rosemount, Roseville, Rothsay, Round Lake, Royalton, Rush City, Rushford, Rushford Village, Rushmore, Russell, Ruthton, Rutledge, Sabin, Sacred Heart, St. Anthony, St. Anthony, St. Augusta, St. Bonifacius, St. Charles, St. Clair, St. Cloud, St. Francis, St. Hilaire, St. James, St. Joseph, St. Leo, St. Louis Park, St. Martin, St. Marys Point, St. Michael, St. Paul, St. Paul Park, St. Peter, St. Rosa, St. Stephen, St. Vincent, Sanborn, Sandstone, Sargeant, Sartell, Sauk Centre, Sauk Rapids, Savage, Scanlon, Seaforth, Sebeka, Sedan, Shafer, Shakopee, Shelly, Sherburn, Shevlin, Shoreview, Shorewood, Silver Bay, Silver Lake, Skyline, Slayton, Sleepy Eye, Sobieski, Solway, South Haven, South St. Paul, Spicer, Springfield, Spring Grove, Spring Hill, Spring Lake Park, Spring Park, Spring Valley, Squaw Lake, Stacy, Staples, Starbuck, Steen, Stephen, Stewart, Stewartville, Stillwater, Stockton, Storden, Strandquist, Strathcona, Sturgeon Lake, Sunburg, Sunfish Lake, Swanville, Taconite, Tamarack, Taopi, Taunton, Taylors Falls, Tenney, Tenstrike, Thief River Falls, Thomson, Tintah, Tonka Bay, Tower, Tracy, Trail, Trimont, Trommald, Trosky, Truman, Turtle River, Twin Lakes, Twin Valley, Two Harbors, Tyler, Ulen, Underwood, Upsala, Urbank, Utica, Vadnais Heights, Vergas, Vermillion, Verndale, Vernon Center, Vesta, Victoria, Viking, Villard, Vining, Virginia, Wabasha, Wabasso, Waconia, Wadena, Wahkon, Waite Park, Waldorf, Walker, Walnut Grove, Walters, Waltham, Wanamingo, Wanda, Warba, Warren, Warroad, Waseca, Watertown, Waterville, Watkins, Watson, Waubun, Waverly, Wayzata, Welcome, Wells, Wendell, Westbrook, West Concord, Westport, West St. Paul, West Union, Whalan, Wheaton, White Bear Lake, Wilder, Willernie, Williams, Willmar, Willow River, Wilmont, Wilton, Windom, Winger, Winnebago, Winona, Winsted, Winthrop, Winton, Wolf Lake, Wolverton, Woodbury, Wood Lake, Woodland, Woodstock, Worthington, Wrenshall, Wright, Wykoff, Wyoming, Zemple, Zimmerman, Zumbro Falls and Zumbrota.

 

 

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