Health Insurance in Minnesota

Info – Updates – And Free Services

From Health Insurance Brokers in Minnesota

Individual Health Insurance

Insurance can be complicated. Between the dozens of providers, changing laws, different kinds of insurance, and so many options, it's a challenge to navigate and find the right plan for your budget and needs.

That's where an insurance broker can help. Apollo are the experts in health insurance and will fight for you. There's no extra cost to you and you'll have an insurance person to always turn to.

Learn More About Individual Health Services

Group Health Insurance

Do you want to provide an affordable insurance option for your employees?

Or maybe your employees are already insured but the cost has increases. It may be time to shop for a better group plan. Having health insurance through an employer is an additional way to acquire and keep talent. Connect with Apollo to find the best group insurance plan for you and your employees.

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Life Insurance

Let's be honest, we often don't think about the extremes of what could happen in life. Life insurance is the least purchased kind of insurance even though plans start at only a few dollars a month. If you want to make sure your family is taken care of, this simple insurance can have a huge effect in case of death.

Learn More Life Insurance Services

Dental Insurance

A good smile can be worth a million dollars.

Everyone can benefit to good oral care and the cost of emergencies can be quite large. Luckily there are flexible dental insurance plans for everyone. Contact us to get a dental plan that works for your budget.

Learn More Dental Insurance Services

Vision Insurance

Our eyes are one of our most precious organs, and we only have two, so proactive protection and care is key to maintaining these vital organs! Particularly for children, they don’t yet know how beautiful the world is through perfect vision, it is our responsibility as parents and caretakers to be in-tune with the world through their eyes. On the flip side, as we age our eyes do as well, and thus the frequency for vision checks increases exponentially.

Learn More Vision Insurance Services

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Health Insurance in Minnesota

Apollo Insurance Group is dedicated to delivering peace of mind through health insurance that is tailored to our clients’ needs. Rest easy knowing your medical challenges are simplified by our industry experts and knowledgeable advisors. Read on to learn more about health care in Minnesota. 

Quick Facts About Health Insurance in Minnesota

Health Insurance in Alabama

Minnesota uses the federal Marketplace as its ACA Exchange.

Health Insurance in Alabama

Open Enrollment for On-Exchange plans will be from November 1 – December 15.  

Health Insurance in Alabama

Off-Exchange plans offer year-round enrollment. 

Health Insurance in Alabama

Apollo Insurance Group can help broker plans from 3 different carriers. 

When to Enroll in Minnesota Health Insurance

Enrolling in health insurance in Minnesota is only restricted for On-Exchange/ACA insurance plans. For these plans, most people can only enroll during the Open Enrollment period. Open Enrollment for the federal ACA Marketplace is from November 1, 2023 – December 15, 2023. To enroll outside of Open Enrollment, you will need a qualifying life event. 

With some exceptions, there are no restrictions on enrolling in Off-Exchange plans. Generally speaking, plans that are not found on the federal Marketplace allow enrollment year-round. 


Minnesota Health Insurance
Apollo Insurance Group - Agents

How to Enroll in Minnesota Health Insurance

To enroll in a health insurance plan in Minnesota, contact us now. We will work with you to find the best plan for your budget and needs. 

Health insurance in the United States is a complicated beast, and Minnesota is no exception. Let one of the experts at Apollo Insurance Group guide you.  

This is just a brief overview of health insurance in Minnesota. For a more in-depth breakdown, read our article on individual health insurance.

Health Insurance in Minnesota – What You Need to Know

If you have ever wondered about the details of Minnesota health insurance, then you’ve come to the right place. In this article, you’ll find out more about cost sharing, plan tiers, Noncovered services, and how to appeal denials. You’ll also discover what you can expect from your plan.

Cost sharing

Recently, Minnesota’s health insurance program faced concerns over cost sharing, as the funding mechanism for the Basic Health Plan (BHP) remained uncertain. The state relied on a 2% provider tax, which was repealed in 2014 without an alternative financing plan.

To address the impact of COVID-19, the Minnesota Council of Health Plans (MCHP) introduced voluntary cost-sharing waivers, covering COVID-19 patients facing high treatment expenses. Despite rising health insurance costs, Minnesota health plans are working to increase access to care and maintain affordable premiums.

The average cost of health insurance in Minnesota is projected to rise by 6% by 2022, with gold plans experiencing the largest increase. Low-income individuals may find more affordable options on the exchange or consider Medicaid, tailored for low-income households but not available to everyone.

MNsure marketplace offers plans for self-employed individuals without employer coverage. Premiums and deductibles are relatively low, with the insurance provider covering a lower percentage of medical expenses. However, those with substantial medical costs may find higher monthly premiums more cost-effective.

Plan tiers

  • Minnesota’s Health Insurance exchange offers three tiers of health insurance plans: Bronze, Silver, and Gold.
  • The cost of health insurance plans varies depending on the tier you choose, your location, and your income.
  • Gold plans offer the most coverage and have the highest premiums.
  • Gold plans have lower out-of-pocket maximums, which can result in significant savings.
  • Silver plans offer a good balance of coverage and premiums.
  • Silver plans may offer cost-sharing reductions, which can lower your monthly premiums.
  • The lowest Silver plan in Hennepin county costs $265 per month.
  • Bronze plans offer the least coverage and have the lowest premiums.
  • The cost of health insurance can vary greatly, so it’s important to consider your needs and budget when choosing a plan.
  • You can compare quotes from different insurance providers to find the best plan for your needs.

Noncovered services

In Minnesota, some health care services are considered “noncovered services” and are not included in insurance plans. These services require approval from a doctor, and in some cases, a spenddown payment may be required before receiving them. Certain health services, like vaccinations and screening tests, are covered at 100 percent but may not always be readily available. Medicaid covers most medical services, but limitations may apply, so it’s important to check with the provider. Visiting a specialist outside the insurance network may require out-of-pocket payment, and it’s crucial to confirm if the facility is in-network to ensure coverage.

Appealing plan denials

  • If your health insurance company denies coverage for a medical service, you have the right to appeal the denial.
  • You must file an appeal within six months of the decision made by your health insurance company.
  • You can appeal the denial through the Minnesota Department of Commerce or the Minnesota Department of Health.
  • You may also need to appeal an appeal to an independent third party.
  • An independent third party can make a decision in your favor if the internal appeal doesn’t resolve your concerns.
  • The rate of denials in Minnesota is much lower than in many other states.
  • Minnesota health insurance providers like HealthPartners work closely with subscribers to help them avoid unexpected denials.
  • You can bring a family member or friend or an attorney to the hearing.
  • You should be prepared to provide documentation and point to contract language that supports your position.

MNsure’s plan comparison tool

MNsure, Minnesota’s health insurance exchange, offers an online plan comparison tool for residents seeking affordable health insurance. The tool allows users to compare costs, financial assistance, and out-of-pocket expenses for different plans based on income, household size, and location. Users can also search for dental and medical plans and find information on consumer protections and covered prescription drugs.

For those losing employer-sponsored coverage, MNsure provides a special enrollment period within 60 days of coverage loss. Individuals with continuation plans can switch to more affordable individual plans through MNsure, especially with government subsidies. However, careful considerations should be made before making this decision.

Minneapolis, Minnesota Health Insurance

Minneapolis, Minnesota Health Insurance

Minneapolis residents have a variety of options for health insurance coverage. The city offers access to health plans through the Affordable Care Act marketplace, as well as a number of private health insurance providers. Residents can also take advantage of Minnesota’s Medicaid program, which provides health care coverage for low-income individuals and families. In addition, employees may be eligible for health insurance through their employer or a union health plan. It is important for Minneapolis residents to carefully review their options and choose a health plan that meets their needs and budget. Fortunately, there are resources available to assist with this process, such as the Minnesota Health Insurance Exchange Navigator program, which offers free enrollment assistance. Ultimately, healthcare coverage is an essential aspect of maintaining overall health and wellbeing, and it is important for Minneapolis residents to make informed decisions about their health insurance options.

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